If securing a traditional car loan in Perth is proving difficult, rent-to-own could be a practical alternative. Whether you need a vehicle for personal use or business, rent-to-own lets you get on the road quickly without the usual credit checks
How does rent-to-own work in Perth?
Rent-to-own car agreements let you rent a vehicle in Perth with the goal of owning it at the end of the term. Each rental payment goes towards paying off the car, and once you complete the agreed term – typically between one and four years – ownership transfers to you.
This differs from traditional car loans, where you borrow money to buy the car upfront and make regular repayments with interest until the loan is fully paid.
When you sign up for rent-to-own, you’ll pay an upfront deposit or setup fee to secure the vehicle, which can range from a few hundred to a few thousand dollars.
You’ll then make regular payments that often include running costs such as insurance, registration, maintenance and roadside assistance.
What can I use my Perth rent-to-own car for?
The car can be used for a variety of purposes, depending on the agreement, including:
- Personal vehicles
- Business use
- Ridesharing and delivery driving
They can be especially appealing to people who need a car quickly but have trouble securing traditional finance, such as those with bad or no credit history, or businesses with limited trading history. This is because rent-to-own typically doesn’t require credit checks and focuses more on your ability to meet payment requirements.
However, rent-to-own can cost significantly more than other finance options, so it’s important to carefully weigh your choices and review the terms and conditions before deciding.
What vehicles are available for rent-to-own in Perth?
A wide range of vehicles is typically available for both business and personal use via rent-to-own in Perth, including:
- SUVs
- Sedans
- Hatchbacks
- Utes
- Vans
However, unlike with a traditional car loan, where you can choose any make or model from any dealer or private seller, rent-to-own limits you to the provider’s current stock. This means that while you might be able to find the type of vehicle you need, the exact make or model you’re after may not be available.
The vehicles offered also tend to be older, used models with higher kilometres, so it’s important to keep this in mind when considering rent-to-own options.
Can a rent-to-own vehicle be delivered anywhere in WA?
Rent-to-own delivery depends heavily on the provider and their service area.
Most providers in WA are smaller operations that focus on metropolitan Perth and nearby areas, meaning their reach is usually limited. Because they must physically supply and maintain the vehicles, rather than simply providing finance, their ability to deliver is less flexible. Many will even require you to collect the vehicle in person from their depot or a designated pickup spot.
If you live outside Perth in regional or rural WA, it’s important to check with providers directly about their delivery policies and service zones to see if it is an option. It’s less likely that you’ll be able to access a rent-to-own vehicle if you’re living hours outside of Perth.