Lease-to-own cost calculator
The weekly payment looks small. Carried to the end of the term, it adds up to far more than the price tag. See the total, and how much the early buyout would save you.
What you'll really pay
Illustrative model · actual terms varyEarly buyout assumed near the cash price inside the 90-day window.
How this is calculated
We multiply the weekly payment by the number of weeks in the term. That's the total you pay if you keep the lease to the end. Then we compare it to the cash price and to an early buyout near that price.
total = weekly payment × weeks · markup = total ÷ cash price
Real contracts add delivery, setup, or reinstatement fees, so the true total is often higher than this.
It is. Ridden to term, lease-to-own is the most expensive way to buy the item. The whole deal turns on the early-purchase window — buy inside it, or the total balloons.
Cheaper moves: buy it secondhand, wait a paycheck, or use a card you pay off. Compare both essentials options on the essentials hub.