A novated lease pays for your car out of your pre-tax salary, with running costs bundled in. Same car, same driveway — thousands less out of pocket.
A few quick taps — starting with the fun one, the kind of car you're after. No credit check, no obligation.
Pick a category and a price range to keep going.
Pick a lease term and roughly when you want it.
You'll get your written quote today, from one consultant who stays with you — not a call centre.
Please add your name, a valid email and a mobile number.
Any make, any model — new or late-model used
Take a car loan and you pay with money that's already been taxed, then add interest on top. A novated lease takes the payment out before tax and removes GST from the purchase price.
You save $123per week or $31,980 over 5 years*
On these numbers a novated lease costs $123 a week less than the car loan — about 37% off the weekly cost, or $31,980 over five years.*
Each figure is the weekly cost of the same car under each arrangement, from Novated Choice's own worked example; the saving is the difference between the two. The full assumptions are set out at the foot of this page. Your own numbers will differ, and the estimate in the form is built from your answers.
Most people are approved within hours and driving inside a fortnight. Here's exactly what happens, and who does what.
Got a car in mind? We'll price it. Not sure yet? We'll shortlist options that fit your budget and show what each one costs you per pay cycle. Our national buying program regularly beats the drive-away price you'd negotiate yourself.
A novated lease is a three-way agreement between you, your employer and the financier. We handle the paperwork and talk your payroll team through it — most sign off without a meeting. If your employer hasn't done one before, we set the whole thing up for them at no cost.
We put your application to the financier and keep it moving, so you're not chasing it. Share your details in the morning and you'll typically have an answer by the afternoon.
We arrange delivery or dealer pickup, set up your fuel card and insurance, and your first pre-tax deduction starts with your next pay. From there, one payment covers the lot — and the same consultant stays with you for the life of the lease.
Being new to novated leases, I reached out to multiple providers with numerous questions. Ben from Novated Choice stood out as the most helpful and responsive of all. This made Novated Choice the clear decision.
I had issues with my employer in the initial set up stage. Jess dealt with the issues with no fuss in the background. This was my first time doing a lease.
Novated Choice really stands out for their professionalism and customer care. Their team is knowledgeable and genuinely helpful, always going the extra mile to make the process smooth and stress-free.
Great experience with Novated Choice! The team was patient and answered all my questions, making the novated lease process smooth and easy. Highly recommend.
Jess was extremely helpful throughout the entire process and made the experience easy and straightforward. Great service in a very timely manner. Have recommended her services to other colleagues.
We've successfully integrated Novated Choice into our employee benefits program. The rollout went smoothly, and several of our staff have already taken advantage of this benefit, acquiring new electric vehicles.
Ask us anything — including whether a novated lease is the wrong call for your situation. We'll tell you either way.
Call 1300 050 550It works best if you're a permanent employee on a regular PAYG income, you want a genuine tax saving, and you'd rather have one payment than six separate bills. Your employer doesn't need an existing scheme — we set it up for them. Eligible electric vehicles are the strongest case of all, because they're exempt from Fringe Benefits Tax. It isn't right for everyone, and we'll tell you plainly if it isn't right for you.
Your rate depends on the vehicle, the term and your circumstances, and we'll set it out in writing before you commit to anything. On the car itself, our national buying program gives us fleet buying power — we can often come in well under the recommended retail price, and we'll show you the comparison alongside the quote.
During the lease the finance company owns the car, but you have full use of it with no upfront cost. At the end of the term you choose: buy it outright by paying the residual, upgrade to a new model, extend the lease, or walk away. It's genuinely your call.
Just about. You can choose from a wide range of new or late-model used cars, including EVs and hybrids. The main exception is utes or vans with a payload over one tonne, which don't qualify for a novated lease because they're classed as commercial vehicles.
Not with us. You pick the car and sign where we point. We handle the finance application, the employer paperwork and the payroll setup — including walking your HR or payroll team through it if they haven't done one before. From quote to keys, you have one point of contact throughout.
Yes — almost all running costs bundle into one convenient pre-tax payment. That covers finance repayments, fuel or charging, servicing, tyres, registration and comprehensive insurance. We estimate the annual cost up front and reconcile it as you go, so you're not caught out by a big bill in one month.
The lease belongs to you, not your employer, so the car goes with you. You can transfer the lease to your new employer (subject to their approval), pay out the remaining balance to own it, or keep making payments personally until you start somewhere new. We handle the transfer paperwork.
Novated lease agreements typically run from one to five years (12 to 60 months). Most people choose three to five years, which balances flexibility against lower repayments. Longer terms mean smaller payments but a larger residual at the end.
You choose. Pay the residual and own the car outright, sell it and keep anything above the residual, extend the lease if you're eligible, or trade up into something new. We'll walk you through the options a few months before the term ends so there are no surprises.
No. Plenty of our customers are the first person at their workplace to ask. There's no cost to the employer and no ongoing admin burden — in fact it's a pay benefit they can offer staff for free. We approach payroll on your behalf and set the whole thing up, usually without needing a meeting.
Eligible electric vehicles under the luxury car tax threshold for fuel-efficient vehicles are exempt from Fringe Benefits Tax. In practice that means the entire lease payment can come out of your pre-tax salary, rather than part of it being post-tax. On a mid-priced EV that difference is usually worth many thousands of dollars a year, on top of the GST saving.
Sixty seconds to an indicative saving, and a written estimate the same day. If the numbers don't stack up for you, we'll be the first to say so.
