You must pay all payments due before the end of the contract. If your payments are less than half the total price of the goods, you may still have some money to pay, since the lender is entitled to this amount according to the agreement. If you have already paid more than half the price, if you cancel the agreement, you cannot be refunded, but you usually no longer have to pay. Rent to Own agreements are also excluded from the Leases Act in the Lending Act, as they are considered leases and not a credit extension. If the lender terminates the agreement, for example because you have not kept the repayments up to date, it can recover the goods. Normally, the lender needs a court injunction to do so. 20. . .