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Operating Lease vs Finance Lease for Printers

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From

$160/month

ex GST

Lease term

36 to 60 months

  • Maintenance and genuine toner included
  • You only buy paper
  • Same business day response, Mon to Fri
  • No obligation, and no automatic renewal without your written approval

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Last updated: July 2026

Operating Lease vs Finance Lease for Printers

An operating lease lets your business use a printer for a monthly set plan and return it at the end of the term, treated as an ongoing usage cost.

A finance lease is structured so your business carries the device and its risks, usually with the aim of owning or buying it out at the end of the term.

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Last reviewed:
by Cyrus Dickie, Founder

Printer lease cost bands in Australia (indicative)

The Australian printer lease market sits in four broad monthly bands.

Figures below are indicative market benchmarks compiled from publicly published competitor pricing as at May 2026, not LMP quotes.

Your formal quote depends on the device, term, monthly page volume and finance provider.

Device classTypical use caseMonthly band (ex GST, all inclusive)
A4 mono MFP1 to 5 staff, under 1,000 pages per monthfrom $80 to $150 per month
A4 colour MFP5 to 15 staff, 1,000 to 3,000 pages per monthfrom $150 to $220 per month (LMP entry $160)
A3 colour MFP10 to 30 staff, 3,000 to 8,000 pages per monthfrom $220 to $320 per month
A3 colour high volume30+ staff, 8,000+ pages per month, finishing optionsfrom $320 to $500+ per month

Indicative market benchmarks based on publicly published competitor pricing including CopierChoice, Sharp EIT Solutions, Mitronics, ABT Group, Global Document Solutions and Axia Office (May 2026).

All inclusive bands assume the lease bundles equipment, scheduled service, parts and toner consumables.

Toner, parts, service labour and call outs are included in the monthly fee, so the only thing you buy is paper.

Ready to shortlist a machine? Compare Toshiba vs Kyocera printer lease options or request a like for like quote below.

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At a glance

  • •You pay a monthly set plan to use the device for an agreed term, commonly 3 to 5 years.
  • •The agreement is structured around your business carrying the asset and its risks for the term.
  • •Decide whether you would rather keep upgrading to current technology or own one device long term.
  • •LeasemyPrinter leases are all inclusive operating style agreements from $160 per month ex GST on a 36 to 60 month term.

What an operating lease means for a printer

  • You pay a monthly set plan to use the device for an agreed term, commonly 3 to 5 years.
  • Maintenance, genuine toner, parts and support are bundled into the one payment for the contract term.
  • At the end of the term you upgrade to a newer device, continue on the current one, or return it.
  • You do not aim to own the device, so it stays a predictable usage cost rather than a capital purchase.

What a finance lease means for a printer

  • The agreement is structured around your business carrying the asset and its risks for the term.
  • It usually points towards ownership, often through a final payment or buyout at the end.
  • Service and consumables are not always included, so check what the monthly figure actually covers.
  • It suits a business that specifically wants to own the equipment rather than refresh it each cycle.

How to choose between the two

  1. Decide whether you would rather keep upgrading to current technology or own one device long term.
  2. Confirm exactly what each monthly figure includes, especially service, parts and toner.
  3. Check the end of term position: return and upgrade, or a buyout that leads to ownership.
  4. Ask your accountant how each option is treated for your business, as tax and reporting treatment varies.
  5. Request a like for like quote so the same device is priced on each path.

How LeasemyPrinter structures its leases

LeasemyPrinter leases are all inclusive operating style agreements from $160 per month ex GST on a 36 to 60 month term.

The monthly fee covers the device, scheduled service, genuine parts and toner, and remote support for the contract term.

Your lease does not renew automatically.

We contact you well before the end date to confirm your choice, and you decide from three options: upgrade to a newer device, continue on your current equipment at a reduced rate, or return it at no cost.

Nothing rolls over automatically without your written approval.

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Get your printer lease quote

Quick form

From

$160/month

ex GST

Lease term

36 to 60 months

  • Maintenance and genuine toner included
  • You only buy paper
  • Same business day response, Mon to Fri
  • No obligation, and no automatic renewal without your written approval

Australian mobile or landline.

Fields marked with an asterisk are required.

We use your name, email and phone only to answer your quote request.

We never sell your details or use them for marketing.

Read our Privacy Policy.

No spamSecure5 stars from 150 Google reviews
Or call us directly: 0414 641 504
No obligation quoteUpgrade anytimeFrom $160/month ex GST on a 36 to 60 month termDelivery and installation includedAlready in a lease? We work to your end date

Frequently asked questions

What is the main difference between an operating lease and a finance lease?

An operating lease is about using the equipment for a term and handing it back, with the provider carrying the device.

A finance lease is structured around your business carrying the asset and usually aiming to own it at the end.

In practice an operating lease keeps things as a predictable monthly usage cost with service included, while a finance lease points towards ownership.

Which lease type is better for a printer?

There is no single right answer.

An operating lease suits businesses that want a monthly set plan, included maintenance and toner, and a regular upgrade path, from $160 per month ex GST.

A finance lease suits a business that specifically wants to own the device.

Confirm the tax and accounting treatment for your situation with your accountant.

Do I own the printer at the end of an operating lease?

No.

An operating lease is built around use, not ownership, so at the end of the term you choose to upgrade, continue, or return the device.

Your lease does not renew automatically.

We contact you well before the end date to confirm your choice, and you decide from three options: upgrade to a newer device, continue on your current equipment at a reduced rate, or return it at no cost.

Nothing rolls over automatically without your written approval.

How are printer leases treated for tax?

Lease payments are commonly treated as an operating expense, but the correct treatment depends on the lease structure, your business type and current ATO rules.

Always confirm the treatment for your specific situation with your accountant before relying on it.

Researching, not ready for a quote yet?

Download the free Printer Lease Buyer's Guide. Covers the lease vs buy comparison, contract red flags, and the key questions to ask any provider before signing.

Looking for related answers? Explore other lease cost guides:

Sources

Cyrus Dickie, Founder at LeasemyPrinter (Global Document Solutions Pty Ltd)

Cyrus Dickie

Founder, LeasemyPrinter (Global Document Solutions Pty Ltd)

You deal with the founder directly, from first quote to ongoing support, since 2010.

Authored by Cyrus Dickie, Founder at LeasemyPrinter (Global Document Solutions Pty Ltd). In the industry since 2010.

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