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Financing vs. Leasing Playground Equipment: Which Is Better?
easy swing set financing


When it comes to establishing vibrant and engaging play spaces, schools and organizations often face the decision of whether to finance or lease playground equipment. Both financing and leasing options offer distinct advantages, and the choice between them depends on various factors, including budget considerations, long-term goals, and your specific needs. This article will explore the key differences between financing and leasing playground equipment, highlighting the advantages and considerations associated with each option.

Financing playground equipment


1. Ownership

One of the primary advantages of easy swing set financing is the eventual ownership of the assets. When you choose to finance, you make regular payments over a predetermined period, and once the payments are complete, you gain full ownership of the equipment. This long-term investment can benefit institutions seeking to establish a lasting play space without ongoing lease payments.

2. Customization

Financing allows for greater customization of the playground equipment. You can choose specific structures, themes, and features that align with their vision and the community’s needs. This flexibility ensures that the play space is tailored to the unique preferences and requirements of the children who will use it.

3. Long-term investment

Easy swing set financing is a strategic option for those looking at the playground as a long-term investment. Quality playground equipment is designed to withstand outdoor elements and usage, making it a durable asset serving generations of children. While the initial cost may be higher than leasing, the longevity of the equipment can make financing a cost-effective choice over time.

4. Asset depreciation benefits

From a financial perspective, financing allows you to take advantage of asset depreciation benefits. As playground equipment is considered a tangible asset, you may be eligible for tax benefits associated with asset depreciation, helping to offset the overall cost.

5. Customized payment plans

Financing plans are often customizable to suit the budgetary constraints of the organization. Whether opting for fixed-rate loans or flexible payment structures, financing providers can work with clients to create a payment plan that aligns with their financial capabilities.


1. Upfront costs: Financing requires an initial down payment, and you must consider your ability to cover these upfront costs. While financing allows for spreading payments over time, the initial investment remains a critical factor.

2. Interest rates: The interest rates associated with easy with swing set financing can vary, impacting the overall cost of the playground equipment. It’s essential for you to carefully evaluate interest rates and terms offered by financing providers to ensure that they are obtaining favorable terms.

3. Maintenance and repairs: Ownership of the playground equipment also means responsibility for maintenance and repairs. You need to factor in the ongoing costs associated with ensuring the safety and longevity of the equipment.

4. Longer commitment: Financing involves a longer-term commitment compared to leasing. You should assess your future needs and ensure you are prepared for the ongoing financial obligations associated with financing.

Leasing playground equipment:


1. Lower upfront costs

One of the primary advantages of leasing playground equipment is the lower upfront costs. Leasing typically requires a smaller initial investment, making it an attractive option for people with budgetary constraints or those looking to allocate funds to other projects.

2. Maintenance and repairs

Leasing often includes maintenance and repair services the leasing company provides. This can alleviate the burden on you, as you don’t need to manage these aspects themselves. The leasing firm takes responsibility for ensuring the equipment’s safety and functionality.

3. Flexibility

Leasing offers flexibility, allowing organizations to upgrade or replace equipment at the end of the lease term. This is particularly advantageous for companies anticipating changes in their play space requirements or advancements in playground technology.

4. Shorter commitment period

Leasing agreements typically have shorter commitments than financing. This gives you more flexibility and the ability to reassess your needs and options within a relatively short timeframe.


1. No ownership at the end: Unlike financing, leasing does not result in ownership of the playground equipment at the end of the lease term. You need to weigh the benefits of lower upfront costs against
the fact that you won’t own the equipment.

2. Total cost over time: While leasing may have lower upfront costs, you should carefully evaluate the total cost over the lease period. In some cases, the cumulative cost of leasing over several years might exceed the upfront cost of financing.

3. Limited customization: Leasing options may offer limited customization compared to financing. You may need to choose from pre-designed structures, limiting their ability to tailor the play space to specific preferences.

4. Dependency on leasing company: with leasing option, you’ll have to depend on the leasing company for maintenance and repairs. Choosing a reliable and reputable leasing provider is crucial to ensure that the equipment is well-maintained and safe for children.

5. Potential for higher interest rates: Leasing agreements may involve interest rates that, over time, contribute to a higher overall cost. You should carefully review the terms and conditions of leasing agreements, including interest rates, to make informed decisions.

Final thoughts

The choice between financing and leasing playground equipment depends on your unique circumstances and priorities. Financing offers ownership, customization, and long-term investment benefits, while leasing provides lower upfront costs, maintenance services, and flexibility. Careful consideration of factors such as budget constraints, long-term goals, and the desired level of customization will guide you in making the most suitable choice for creating vibrant and enjoyable play
spaces for your kids.

However, easy swing set financing is still the best option since you gain full ownership of the equipment,
and it allows for greater customization of the equipment. Moreover, it’s a long-term investment.

Need financing?

Purchasing playground equipment upfront can be costly, especially if you’re on a tight budget. Thankfully, at Swing Set Nation, we can make your dream of purchasing your kid’s swing set a reality. We have partnered with Hearth to bring quick and straightforward financing for you. All you have to do is get in touch with us and pick your ideal swing set and we will handle the rest on your behalf.

See our traditional financing here or check out our no credit check rent to own financing here!