Pricing | Wags Lending
A Bristlecone Holdings Company | Have a question?  +1 (844) 761-4950

Approval up to


Early buy-out


Finance Period

12/24 Mo.

This is where our innovative underwriting techniques and dynamic pricing come together to provide you with opportunities.

We are proud to offer you fair pricing through our Dynamic Pricing structure: Get this… just like as every unique individual is given a personalized score, each individual will be given a unique price. We offer fair costs & terms that vary based risk.

Cost Calculator

So, what will YOUR cost be? Well, you need to apply and find out. We can show you a range of possible payments we may approve for qualified customers prior to applying, use our calculator below. Enter the amount you would like to finance to get started.

Monthly PaymentFinance Period
- Mo.

Early Buyout Options

Early buyout is available at anytime during the course of your lease. Payoff amounts with associated savings at 1, 3, 6, and 9 months are shown below.*

Mo.BuyoutLogin to View Savings Login

* Early buyout amount above is an estimate and assumes customer is currently making monthly payments.


If there’s no interest… then how are my monthly payments decided? Well, monthly lease payments consist of two factors: Monthly rental fees and monthly depreciation. There is no principal or associated interest in the monthly payments, because principal and interest is only associated with credit cards and loans. The monthly lease payment is calculated by adding two numbers together.  The first component of the monthly payment is the “rent” that the leasing company charges the customer in exchange for the customer’s right to possess and use the product.  This rent charge accounts for the leasing company’s risk in the same fashion an interest rate in a loan accounts for the lender’s risk, but with additional costs because the leasing company owns the product.

The second component of the monthly payment is the product’s monthly depreciation.  Each month the customer possesses and uses the product, the product’s fair market value decreases.  That decrease is part of the monthly payment so that the customer is compensating the business for the decrease in the product’s fair market value while the customer is using the product.  These two numbers, added together, make up the monthly payment calculation.