Leasing Fitness Equipment: Leasing and Rent-to-Own for Gyms.
With fitness equipment leasing or rent-to-own, you pay for your gym's equipment in monthly installments. With leasing, you use the equipment for a set period of time; with rent-to-own, it becomes yours after the final payment.
The financing partner's actual rate takes the following into account:
- Equipment Value and Term
- Down Payment or Special Payment
- Residual value at the end of the term
- Financing Costs Following a Credit Check
The calculator uses an imputed interest rate and, for leases, a 10% residual value. All amounts are net so that leases and hire-purchase agreements remain comparable.
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Leasing or Rent-to-Own: What's the Difference?
Both models finance the same device through monthly payments. The difference lies in who ultimately owns the device and how the value-added tax is calculated.
| Characteristic | Leasing | Hire Purchase |
|---|---|---|
| Ownership in the End | Generally remains with the lessor; a purchase option is available after the initial lease term | will automatically be transferred to you with the final payment |
| Installment Payments and Value-Added Tax | Gross rates; VAT is charged monthly | Net installments; VAT is due with the first installment |
| Amount of the payment | usually a little lower | usually a little higher |
| Contract | Leasing Company | Financing Company |
Leasing is a good fit if …
- you want to replace the devices after a few years
- if a lower monthly payment is more important to you than owning a home
- you want to leave yourself the option in the end: to buy or not to buy
Hire purchase is a good option if …
- the equipment remains in your business permanently
- they're definitely supposed to be yours in the end
- you don't plan to upgrade to newer models
Information based on documents provided by our financing partner. Please consult your tax advisor to determine what applies to you from a tax and accounting perspective.
Leasing for Gyms: Why Operators Choose to Finance Instead of Buying Outright.
Purchasing equipment all at once can be expensive. With leasing or rent-to-own, you pay in installments while the equipment is already in use.
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Preserve liquidity
Monthly payments instead of a large lump-sum payment. Your equity remains available for opening costs, staffing, and marketing.
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Credit lines remain available
The contract is arranged through a leasing or financing company, not through your regular bank. Your existing credit lines remain unaffected.
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Fixed rate, fixed term
You'll know exactly what to expect throughout the entire term of the contract.
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Also for entrepreneurs and organizations
You can submit inquiries once you've registered your business. Even a nonprofit organization has financed its equipment through us using a rent-to-own plan.
The tax implications of leasing or rent-to-own depend on your situation. You should discuss this with your tax advisor.
Fitness equipment you can lease.
You can request leasing or rent-to-own options for equipment from our entire product line, either individually or as a complete set. The project pages show how we plan each area.
Lease a Pilates Reformer
Hegren TALMA 62 and the complete studio setup.
Finance the Power Range
Racks, multi-gyms, and gym equipment.
Lease an ice bath
Commercial Cold Plunges for Gyms, Spas, and Medical Practices.
- Commercial SaunaInfrared and outdoor saunas for commercial use.
- Cold ChamberElectric cold chamber for studios and spas.
- Hyperbaric ChamberWe will discuss the financing during our meeting.
- Hotel and SpaFitness and wellness facilities—all under one roof.
- Physical Therapy and PracticeTraining area for your practice.
- Wholesale and B2BFor business customers and retailers.
- Leasing Calculator for Fitness EquipmentCalculate the monthly payment on a separate page.
- Affiliate ProgramLong-term partnership with Kraftathlet.
The financing partner decides on a project-by-project basis whether financing will be provided and under what terms.
Here's how fitness equipment leasing works for businesses.
From your initial inquiry through to installation, you'll have a single point of contact with us. You'll sign the contract with our financing partner.
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Inquiry
You can send us your device mix, location, and desired contract term using the rate calculator, by phone, or by email.
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Quotes and Planning
We prepare the equipment quote—including free 3D planning upon request—and submit it to our financing partner.
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Credit Check
The financing partner will review your documents and provide you with a binding payment amount.
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Contract
You choose between leasing or rent-to-own and sign the agreement with the financing partner.
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Delivery and Assembly
We deliver and install in Germany, Austria, and Switzerland.
In operation for more than 2 years
- Supplier quote—that's what you'll get from us
- Business analyses based on the total amount
- possibly the most recent annual financial statements
Startups and Businesses Less Than 2 Years Old
- Business Registration
- Supplier quote—that's what you'll get from us
- For a part-time business, additional proof of salary or income
Documents as specified by our financing partner. In some cases, the partner may request additional documents.
Frequently Asked Questions About Leasing and Rent-to-Own.
Can you lease fitness equipment?
Yes. As a business, you can finance fitness equipment through leasing or rent-to-own, either individually or as a complete set of equipment—for example, Pilates reformers, multi-gyms, ice baths, saunas, or a cold chamber. The financing partner decides on a project-by-project basis whether financing is available and under what terms.
What is the difference between leasing and rent-to-own?
With a rent-to-own agreement, the device automatically becomes yours after the final payment. With a lease, you use the device for a fixed term; ownership generally remains with the lessor, and there is usually an option to purchase at the end of the term. Lease payments include monthly VAT. With a rent-to-own agreement, you pay net installments, and VAT is due with the first payment.
How much does it cost to lease fitness equipment?
The monthly payment depends on the amount, the term, any down payment, and your credit score, plus the residual value and financing costs. The payment calculator on this page shows a non-binding sample calculation. The financing partner will provide you with the final monthly payment after the credit check.
What terms are available?
In the payment calculator, you can simulate terms of 24, 36, 48, or 60 months. A longer term lowers the monthly payment, while a shorter term lowers the total amount of payments. The terms available for your project are listed in the financing partner’s offer.
Do I have to make a down payment?
Not necessarily. A down payment or special payment is possible and reduces the monthly payment. Whether one is required depends on the type of contract and the credit check.
Can businesses and self-employed individuals lease fitness equipment?
Yes. Leasing and rent-to-own options are available to businesses, self-employed individuals, entrepreneurs, and organizations. Entrepreneurs can submit an inquiry as soon as they have registered their business. New businesses generally need to provide proof of business registration and a supplier quote; if the business is operated as a side business, proof of income is also required. The financing partner decides whether to provide financing after conducting a credit check.
Can I lease fitness equipment for personal use?
Leasing and rent-to-own options through our financing partner are intended for business customers: companies, self-employed individuals, entrepreneurs, and organizations. We do not offer personal leasing through this channel.
Who offers fitness equipment leasing?
We deliver the equipment, prepare the supplier quote, and submit your request to our financing partner. You enter into the lease or hire-purchase agreement with a leasing or financing company. Kraftathlet is not a lender. With us, you have a single point of contact from planning through delivery.
What are the tax implications of leasing and rent-to-own?
That depends on your situation. Please consult your tax advisor regarding tax and accounting matters. We do not provide tax advice.
Can I terminate the contract early?
Leasing and rent-to-own agreements have a fixed term. Returning the item early may result in additional costs. The exact terms are outlined in your contract.
Does that work in Austria and Switzerland, too?
We handle delivery and installation in Germany, Austria, and Switzerland. We will determine on a case-by-case basis with our financing partner whether financing is available for a business based in Austria or Switzerland.
How soon will I receive a response?
We'll get back to you within 1 business day. How long the review takes at our financing partner depends on the amount and the documents provided.
Send us your device mix. We'll work out the financing for you.
The location, quantity, and timeline are enough to get started. You'll receive a non-binding financing offer. We'll get back to you within 1 business day.
Your Kraftathlet Team
Note: The installment calculator is for informational purposes only and does not constitute an offer. Binding terms and conditions will be determined following a credit check by the financing partner. Kraftathlet (Sanyulo OÜ) does not act as a lender.
The calculation is based on an imputed interest rate and is intended solely as an initial estimate. The lease payment is calculated using an estimated residual value of 10%; all amounts are net for better comparability. The actual interest rate and monthly payment may vary. Leasing and rent-to-own arrangements are handled by external, specialized financing companies. Information regarding tax matters is of a general nature and does not constitute tax or legal advice. Please consult your tax advisor regarding your individual situation.