Apply for financingLease calculator
This equipment lease payment calculator estimates the monthly lease payment and the buyout at the end of the term. Compare it with a loan payment on the same machine before you decide.
Estimated monthly lease payment
$1,792/mo
Same equipment as a loan (no buyout):
Illustrative estimate only. Real lease pricing depends on structure (FMV, TRAC, $1 buyout), residual assumptions, fees and provider approval. The buyout percentages shown are assumptions, not quotes.
How it works
A lease payment is usually lower than a loan payment on the same equipment because part of the cost sits in the buyout instead of the monthly bill. A $1-buyout lease behaves almost like a loan with a tiny residual. A fair-market-value lease leaves a bigger residual, a smaller payment, and a choice at term end: buy it, return it, or upgrade. The end-of-term option you pick in the calculator moves that trade-off directly.
Buyout structures
A $1 buyout means higher payments but near-certain ownership. A 10% or 20% buyout lowers the payment. Fair-market-value leases push the most cost to the end — we estimate FMV at 25% for illustration.
Total cost
The cost-to-own figure adds your up-front payment, all monthly payments, and the buyout — the honest number to compare against a loan’s total of payments.
Lease vs loan
The result also shows the loan payment on the same equipment at the same rate and term, so you can see exactly how much monthly cash flow the lease structure frees up.
Next step
The calculator carries the equipment and price into the Dengaro application. Participating financing providers decide which structures — lease, loan or both — your business qualifies for.
Important questions
The financed amount (equipment price minus up-front payment) is spread across the term so it amortizes down to the residual buyout, plus a financing charge. A larger residual means a lower monthly payment but more due at the end.
A $1 buyout lease is essentially a financed purchase — higher payments, near-zero residual, you own the equipment at the end. A fair-market-value lease has lower payments and a larger residual; at term end you buy at market value, return, or upgrade.
Per month, usually — because part of the cost sits in the buyout. Total cost depends on whether you exercise the buyout. The calculator shows both the monthly saving and the full cost-to-own so you can compare honestly.
Yes, used equipment can often be leased, though terms and residual assumptions may differ from new. Set the condition toggle and model the same deal at a couple of rates.
No. The numbers are illustrative — real lease pricing depends on the structure, residual, fees and provider approval. Complete the application to get actual terms.
Financing built into the sale