Free tool
Lease or buy? See the numbers.
Pick a device and how many people need one. See what it costs up front, per month and over the full term, and how much cash you keep in the bank.
Estimated prices excl. VAT, for illustration. Leasing over 36 months through regulated financing partners. Final prices come from our partners and depend on credit approval.
10 × MacBook Pro 14″, over 36 months
Buy
€23,990
up front, then €80/mo incl. Paneo
Lease
€840/mo
€0 up front, incl. Paneo
- Cash kept in the bank on day one
- €23,990
- Total over 36 months, buying
- €26,870
- Total over 36 months, leasing
- €30,240
Buying usually costs less over the full term, and you keep the devices. Leasing keeps cash free for hiring, spreads the cost evenly, and returns and refurbishment at the end are handled for you.
Set up your shopHow to decide
There’s no single right answer
Many companies lease laptops and phones and buy accessories outright. In Paneo you set it per shop.
Leasing makes sense when
- You’re hiring and would rather spend cash on people than hardware
- You want devices refreshed every few years without selling old ones
- You want one predictable monthly cost per person
- You don’t want to deal with returns, wiping and refurbishment
Buying makes sense when
- You have the cash and want the lowest total cost
- You keep devices for many years
- It’s accessories and small items that don’t last a full lease
- You already have a process for reselling or recycling devices
FAQ
Questions about leasing
Can we mix buying and leasing?
Yes. You set it per shop, so one team can lease while another buys. Talk to us and we'll set up the mix that fits.
Who owns leased devices?
The leasing partner owns leased devices for the length of the lease. Your company uses them and is responsible for them during the term. Devices you buy outright are owned by your company from day one.
What happens when a lease ends?
Before the end of the term, we let you know and you choose what to do with each device. You can return it and order a new one, extend the lease, or buy it out where the partner allows it. Returned devices are wiped and refurbished.
How does Paneo's pricing work?
You pay one simple price per active employee per month, whether you buy or lease. Devices, leasing and add-ons like insurance, a return option, buyout and extended warranty are at the price you see, and there's no setup fee.
Equip your team today.
Tell us what your team needs, and we’ll set up your shop.
One simple price · No setup fee