How it works

From test ride to ownership, step by step

Lease-to-own means Mulga buys the bike and leases it to you for 21 weeks. Make every weekly payment and ownership transfers to you — automatically, at no extra cost.

1 · At the store

Choose your e-bike at a partner store. Staff create a quote and email you a secure application link. Store staff can see whether your application is progressing — never your income, expenses or documents.

2 · Your application

You tell us what you need the bike for, your income, expenses and other commitments, and upload photo ID and proof of income. You give clear, recorded consent before we check anything.

3 · Real assessment

Our affordability engine checks the numbers and can only ever say "refer to a human", "needs closer review" or "recommend decline". A trained assessor makes the actual decision and records written reasons. If we decline, we tell you why and what you can do next.

4 · Sign, set up, ride

Approved? Read your agreement (take your time), sign electronically, set up the weekly direct debit, and we pay the store. The store then hands over your bike.

The eleven-point release checklist

A bike is only released when every one of these is green in our system — the store physically cannot hand it over early. You'll see this same strip on your status page:

Step 7 of 11: Approved by authorised staff member

Application submitted and complete
Identity verified (KYC)
All required consents captured
Financial information collected
Income and expenses verified
Responsible lending assessment completed
Approved by authorised staff member
Contract issued to customer
Contract signed by customer
Direct debit arrangement established
Funding settled and release authorised

After you ride away

Payments come out weekly by direct debit. You can see every payment, your remaining balance and your schedule in your account. Pay everything on time and the total cost is exactly $2,250 — the $2,100 bike value plus the $150 establishment fee.

Miss a payment? We'll contact you before anything else happens. A $30 late fee can apply, but never more than one a month, and fees are capped by law. If money is genuinely tight, ask for hardship help — collections pause the moment you do.