13,000+ Australians have chosen a simpler way to access a car
Get into a new car without inflated repayments, hidden fees or years of ownership with car subscription. Your weekly payment includes the car, insurance, rego, servicing, maintenance and roadside assist in one simple plan.
Ideal for drivers who want flexibility, fast access and easy budgeting.
4.8 star rating from 1200+ reviews
No credit score impact
|
No application fee
|
Cancel with 30 days notice*
Subscribe from
$219/week
Flexible Plans
Running Costs Covered
Insurance, rego, servicing
Latest Models
Widest car range
Quick Drive Away
Get a car sooner
No Depreciation Risk
No ownership downside
4.8 star rating from 1200+ reviews
13,000+ Australians have chosen a simpler way to access a car
Get into a new car without inflated repayments, hidden fees or years of ownership with car subscription. Your weekly payment includes the car, insurance, rego, servicing, maintenance and roadside assist in one simple plan.
Ideal for drivers who want flexibility, fast access and easy budgeting.
Subscribe from
$219/week
Flexible plans
Rent-to-own can look simple at first. But once you dig in, the long-term cost, limited flexibility and
ownership risk can leave you paying more than expected.
You may pay far more than the
car is worth
Weekly repayments can look manageable upfront, but the total cost can end up far above the car’s market value.
Ownership takes years, but the risk starts immediately
Even before you own the car outright, you still wear the cost of depreciation, damage and long-term commitment.
Extra fees can
quietly build up
Application fees, admin charges, late fees and exit costs can push the real price well beyond the advertised weekly amount.
With Karmo, your pricing is clearer from the start, with flexibility built in.
People choose us when they want a simpler way to access a car, without the pressure of long-term ownership.
Best for flexibility
Minimum commitment
4 months
Usually 2-5 years
2-5 years
Ongoing
To get started
Refundable bond + 2 weeks upfront
Deposit + fees apply
Deposit + fees apply
Large upfront deposit
Credit score impact
No
Yes
Yes
Yes (Finance)
Exit flexibility
Yes
Limited
Limited
No
Vehicle age/quality
Always new cars
Varies
New cars
Varies
Depreciation risk
No
Yes
Yes
Yes
Time to get into a car
Usually same day
Within 30 days
Within 30 days
Within 30 days
What’s included
Registration, insurance,
servicing
Usually the car only
Varies
Car only
Still comparing your options? Here’s how we stack up against rent-to-own.
Table
Best for flexibility
Rent-
to-own
Minimum commitment
4 months
Usually 2-5 years
What’s included
Registration, insurance, servicing
Usually the car only
Credit score impact
No
Yes
Exit flexibility
Yes
Limited
To get started
Refundable bond + 2 weeks upfront
Deposit + fees apply
Vehicle age/quality
Always new cars
Varies
Depreciation risk
No
Yes
Pick-up time
Usually same day
Within 30 days
A simple process designed to get you moving.
Apply online in minutes
Choose a vehicle and complete a quick affordability check online.
We confirm the details with you
One of our team will contact you to finalise your application and answer any questions.
Drive away when ready
If your vehicle is available, you may be able to collect it sooner than expected.
Explore a range of new vehicles with essentials included in your weekly plan.
Most Popular
Toyota
RAV4
Reliable, spacious and ideal for families or everyday driving.
Subscribe from
$325/week
Flexible Plans
MG
MG4
Drive EV with flexibility
Subscribe from
$290/week
Flexible Plans
Isuzu
D-Max
Powerful ute for work and daily use
Subscribe from
$390/week
Flexible Plans
A simple process designed to get you moving without delays.
Most Popular
Toyota
RAV4
Reliable, spacious and ideal for families or everyday driving.
Subscribe from
$325/week
Flexible plans
MG
MG4
Drive an EV with flexibility
Subscribe from
$290/week
Flexible plans
Isuzu
D-Max
Powerful ute for work or daily use
Subscribe from
$390/week
Flexible plans
This is exactly what the subscription model is built for – flexibility! We understand that your needs may change over time and that’s why we offer the option to swap or upgrade the make and model of your vehicle at the end of each subscription plan.
This means that you can easily switch to a different vehicle that better aligns with your current needs. Whether you’re looking for a different make, model, or even upgrading to a higher-end vehicle, we’re here to assist you.
The minimum duration for our subscription plans can vary depending on the vehicle you choose.
For most vehicles, the minimum plan duration is 120 days. For Tesla models, the minimum plan duration is 24 hours, allowing for short-term rentals and flexibility.
The longer the subscription period you opt for, the more economical the rate, there is the option to subscribe for up to 9 months.
At Karmo, we take pride in offering comprehensive car subscription plans that cover a number of services and expenses related to your vehicle. Our subscription plans include:
By bundling these services and expenses together, we aim to offer a hassle-free car subscription experience.
We do not require a traditional credit check as part of our application process. Instead, we focus on assessing your ability to pay for the service.
To ensure we can make an informed decision and tailor our offer to your specific needs, we kindly request that you provide us with a copy of your pay slip and a copy of your bank statement as part of the application process. These documents help us evaluate your financial capability to meet the payment requirements of the service.
We value your privacy and treat all personal information with the utmost confidentiality. Rest assured that any documents you provide will be handled securely and used solely for the purpose of assessing your eligibility for our service.
We provide a generous kilometre allowance, with most subscription plans including 385 km per week. You can drive worry-free within this limit.
In the case that you exceed this amount, most customers are charged 30 cents per kilometre over your allowance. You can always find your kilometre allowance details in your contract, as well as on the window sticker located in your car.
How does Karmo calculate and charge for excess mileage?
Instead of waiting for one big charge after you return the car, we spread out any excess mileage fees throughout your booking. If you exceed your mileage allowance by a significant amount (more than $50), we charge in increments of $50 added to your weekly payments.
Can I receive a refund if I reduce my mileage usage?
Absolutely! If your driving decreases and you fall back within your mileage allowance later in your subscription, we’ll refund any excess payments when you return the vehicle or at the end of your booking period.
Will I be notified about my mileage usage and potential charges?
Yes, we believe in complete transparency. You’ll receive communications on Monday mornings notifying you of any mileage excess charges added that week.
What should I do if I’m nearing my mileage limit?
If you’re close to exceeding your mileage allowance, you might consider altering your driving habits to avoid additional charges. Alternatively, you can contact you local Karmo team to discuss options for adjusting your mileage plan.
Rent-to-own can lock you into long terms, added fees and ownership risk. With us, you get flexible access to a new car with key running costs bundled into one weekly payment.
If your chosen vehicle is available, you may be able to drive away same day, subject to availability. Timing can vary by location and vehicle.
No hidden fees. We’ll outline the costs clearly before you move forward.
Servicing and maintenance are included. If something needs attention, our team will guide you through the next step.
Join thousands of Australians choosing flexibility over long-term ownership pressure.
No credit score impact | No application fee | Cancel with 30 days’ notice*
Join thousands of Australians choosing flexibility over long-term ownership pressure.
No credit score impact
|
No application fee
|
Cancel with 30 days notice*
Disclaimer: *30 days’ cancellation notice applies after your minimum term and is subject to your subscription agreement.
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