Novated Leasing

Save thousands on your next car

A novated lease lets you pay for your car and running costs from your pre-tax salary, saving you money every pay cycle.

How it works

Getting into a novated lease is simple. Three steps and you're on the road.

1

Calculate your savings

Use our free calculator to see how much you could save based on your salary, vehicle, and running costs.

2

Apply online

Complete a short application with your details. We handle the finance approval and employer setup.

3

Drive your new car

Once approved, choose your vehicle from any dealer and we'll arrange everything. You just pick up the keys.

Why choose novated leasing?

A novated lease saves you money and simplifies car ownership. Here's what you get.

Tax savings

Pay for your car from your pre-tax salary and reduce your taxable income. The higher your income, the more you save.

All-inclusive

Bundle fuel, servicing, tyres, registration, and insurance into one simple fortnightly payment.

Fast & simple

Apply online in minutes. We handle everything from quotes to delivery, making it easy to get into your new car.

No deposit required

Get into your new car without a large upfront payment. The full vehicle cost is covered by the lease.

GST savings on purchase

Save the GST on the vehicle purchase price — that's an immediate saving of up to thousands of dollars.

Zero FBT on EVs

Electric and plug-in hybrid vehicles are exempt from Fringe Benefits Tax, making them even cheaper to lease.

Choose any car, any dealer

There are no restricted brands, models, or dealerships. Pick the car you want from wherever you want.

Frequently asked questions

Everything you need to know about novated leasing.

What is a novated lease?
A novated lease is a three-way agreement between you, your employer, and a finance company. Your employer deducts lease payments directly from your pre-tax salary, which lowers your taxable income and saves you money on both the car and its running costs.
Who is eligible?
Any Australian employee whose employer offers salary packaging can access a novated lease. You don't need to be full-time — part-time and fixed-term contract employees are also eligible in most cases.
What happens at the end of the lease?
At the end of your lease term you have three options: pay the residual value and keep the car, refinance the residual into a new lease, or hand the car back and start a new lease on a different vehicle.
What costs are included?
A fully-maintained novated lease bundles your finance repayments, fuel, servicing, tyres, registration, insurance, and roadside assist into a single fortnightly payment. You choose which running costs to include.
Does my employer need to be registered?
Your employer doesn't need to pre-register with us. We work with employers of all sizes and handle the setup directly. All your employer needs to do is agree to make salary deductions on your behalf.
How long does the process take?
Most applications are approved within 24–48 hours. Once approved, vehicle delivery typically takes 1–2 weeks for dealer stock or longer for factory orders. The entire process from application to driving is usually 2–4 weeks.
What vehicles can I choose?
You can choose any new or used vehicle from any dealer in Australia. There are no restricted brands or models — it's your car, your choice. We can also help you source specific vehicles.
Is there a credit check?
Yes, a standard credit assessment is part of the finance approval process. However, using our calculator and starting an application does not trigger a credit check — that only happens when you formally apply for finance.
Australian Credit Licence
Bank-grade encryption
AFSL compliant

Finance partners

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Ready to see how much you could save?

Use our calculator to get an instant estimate of your potential savings. No signup required.