Gym Equipment Finance | Grays Fitness

We offer Personal and Business Financing

Want to buy a single piece of equipment for home use or set for your gym on Finance? We offer finance for business and personal applications through our preferred third-party suppliers.

Personal Finance (non-ABN holders)

Option 1: Zip and Afterpay

Zip and Afterpay are popular finance options available on all “Buy it Now” products.

Add the item to the cart, and select one of these options on the checkout page.

Alternatively, we can prepare a ZIP Pay invoice and send it to you where you can log in and fill in the relevant information.

Option 2: HUMM 90

HUMM 90 Finance is an Interest Free, Rent to Own Option.

*It is an interest free credit card, where Gray’s Fitness covers the interest for up to 12 months.

*Anyone can apply for Humm90 as long as you are:

18+ years old
Earn $25,000+ p.a.
An Australian citizen or permanent resident of Australia
Clear credit file

ONLY available for orders of $7,000 or less.

$0-$2,000 = up to a 6-month term available.
$2001-$7,000 = up to a 12-month term available.

Humm uses a paperless finance system, so when you’re approved you’ll be notified by mobile phone.

Apply online in minutes. It’s easy and paperless. Receive a speedy decision via SMS or email. Once approved, you will receive 2 SMS notifications.

Calculate Repayments:

For all Humm90 FAQ’s please go to: https://www.humm90.com/au/faqs/

*Approved applicants only. Fees, terms, conditions & minimum finance amounts apply, incl $99 Annual Fee charged on the account open date and annually on the anniversary of that date. Annual Fee must be paid in full within 90 days or it will attract interest. Any outstanding balance after the 90 day Interest Free and no repayment period reverts to the standard Card Purchase Rate. Minimum monthly repayment may be required. Interest (charged at standard Expired Promotional Rate) is payable on the balance outstanding after any Interest Free term. Credit provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Business Financing (ABN holders)

We work directly with finance brokers who specialise in gym equipment finance, and who customise your finance application to suit your specific needs.

No financials required for contracts under $150K
Minimum Application amount is $5,000 inc GST
Weekly or Monthly rental repayments
Rental payments are 100% tax deductible
Purchase equipment outright for $1 per unit at end of rental agreement
60, 48, or 36 month terms available

Call us on 1300 769 556 or email [email protected] to discuss your financing options today.

Apply Now

We understand the financial requirements of the fitness industry and we can find you the right solution regardless of your size.

New ventures are welcomed
No financials needed
Non home owners accepted
Approvals within 24 hours
New or used equipment
Minor defaults considered
Unsecured finance means only the equipment is the security not your home. Fit-Lease have access to all possible sources of funds such as lease, rental and chattel mortgage with terms that suit your business and cashflow, being affiliated with over 28 financiers ensures we can offer the best rates and chances of approval for equipment finance.

Geared Finance

Looking to upgrade or purchase new equipment for your business? We’ve partnered with Geared Finance, a specialist commercial lender, to offer flexible equipment finance options — helping you get the gear you need, without the upfront hit to your cash flow.

Maximise your purchasing power with flexible finance terms

Flexible Repayments
Finance terms available from 12 to 60 months.
Fast Approvals
Apply online in minutes and get approved in 24 hours.
Flexible Finance Options
Choose between loan or rental solutions tailored to your needs.
Terms That Work For You
No bonds, deposits, or hidden fees. Nothing to pay at the end of the term.
Guaranteed Ownership
Own the equipment outright at the start or end of the contract.
Better Customer Experience
Seamless, hassle-free support from Geared’s Australia-based team.

Frequently Asked Questions

How does equipment finance work?

Instead of paying the full price upfront, you spread the cost of the equipment over a fixed term — usually 1 to 5 years. Choose from monthly or weekly repayments, and depending on the finance structure, you’ll own the equipment either at the start or at the end of the agreement.

Who provides the finance?

We’ve partnered with Geared Finance, a specialist commercial lender. They work directly with business customers across a wide range of industries and offer flexible solutions tailored to your needs.

Can I apply online?

Yes — it’s fast and easy. Use the calculator on this page to estimate repayments and apply directly through the online form. The process is fast, secure, and fully digital.

Do I need to pay anything upfront?

In most cases, no deposit or bond is required. This means you can get started with zero upfront cost and manageable ongoing payments.

What finance terms are available?

You can choose from flexible terms ranging from 1 to 5 years, depending on what best suits your business cash flow.

How fast can I get approved?

Most applications are approved within 24 hours. Once approved and signed, your equipment is ready to go.

What kinds of businesses are eligible?

Equipment finance is available to any business with an active ABN. Whether you’re a sole trader, company, or trust — finance could be an option for you.