Novated lease Australia.
Yes. A novated lease is a three-way agreement between you, your employer and a financier. Payments come from pre-tax salary and can bundle running costs. Free assessment, no credit enquiry to start.
What is a novated lease?
Yes. A novated lease is a three-way agreement between you, your employer and a financier. Payments come from pre-tax salary and can bundle running costs. Free assessment, no credit enquiry to start.
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Why choose a novated lease.
One of the most tax-effective ways for employees to finance a vehicle in Australia.
Reduce Taxable Income
Payments come from your pre-tax salary, lowering your taxable income
GST Savings
Save the GST on the purchase price of your vehicle
One Easy Payment
Combine car payments, fuel, insurance, and servicing into one deduction
Choose Any Car
New or used, any make or model - it's your choice
See how much you could save.
Example for someone earning $100,000 with $15,000 in annual vehicle costs.
Without novated lease
$59,000 take home
With novated lease
$63,000 take home
Example only for illustration. Actual savings depend on your income, tax bracket, and vehicle costs. Speak to a qualified financial professional about your situation.
Everything bundled into one payment.
A fully maintained novated lease can include all your vehicle running costs.
Vehicle Payments
Finance or lease payments for your chosen car
Fuel
Your fuel costs bundled into your package
Servicing & Maintenance
Regular servicing and mechanical repairs
Insurance
Comprehensive car insurance included
Plus registration, tyres, roadside assistance, and more depending on your package.
How novated lease works.
Getting started is easier than you might think.
Choose Your Car
Pick any car you want - new or used, any make or model
We Set Up the Lease
We arrange the novated lease through your employer
Salary Deductions Begin
Your employer deducts payments from your pre-tax salary
Enjoy the Savings
Drive your car while paying less tax and enjoying bundled costs
Novated lease FAQs.
Common questions about novated leasing and salary packaging.
What is a novated lease?
A novated lease is a three-way agreement between you, your employer, and a finance company. Your employer agrees to deduct lease payments from your pre-tax salary, reducing your taxable income.
How much can I save with a novated lease?
Savings vary based on your income and the vehicle, but typically range from $2,000 to $10,000+ per year. Higher income earners in higher tax brackets generally save more.
What happens if I change jobs?
If you change employers, the lease can usually be 'novated' to your new employer. If your new employer doesn't offer salary packaging, you can continue payments yourself or payout the lease.
Can I get a novated lease on a used car?
Yes! Novated leases are available for both new and used vehicles. Many people choose used cars to maximise value while still enjoying the tax benefits.
What running costs are included in a novated lease?
A fully maintained novated lease can include fuel, registration, insurance, servicing, tyres, and roadside assistance - all bundled into one pre-tax salary deduction.
Do I need my employer's approval for a novated lease?
Yes, your employer needs to offer salary packaging and agree to make the deductions on your behalf. Most medium to large employers offer this benefit.
Novated lease providers.
We compare offers from leading salary packaging and novated lease providers.
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