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Novated Leasing

Salary sacrificing a car, also known as a Novated Lease, is the most cost-effective way to buy and run a vehicle.

What is a novated lease?

A novated lease is a salary packaging option that lets you pay for a new or used car and its running costs from your pre-tax salary. It’s a three party agreement between an employee, their employer, and Fleetcare.

Novated leasing gives employees access to concessional rates of tax not available via traditional car financing models. By salary sacrificing the vehicle purchase price and running costs, employees can reduce their income tax and gain access to GST savings on the vehicle purchase price, fuel, servicing, tyres, and more.

Novated lease benefits
When it comes to buying and running a vehicle, there are many reasons why Australian drivers choose novated leasing. Check out the six key benefits.

Access exclusive vehicle offers combined with fleet discounts on the purchase price of your new car
Access income tax savings by paying for your vehicle and running costs from your pre-tax salary
Smooth your budget with regular fixed payments for your vehicle and running costs
Enjoy peace of mind 24/7 driver support, always on hand to offer advice in any way they can
Save on GST on the vehicle purchase price and ongoing running costs for the life of your lease*
With vehicle running costs included, never worry about unexpected out-of-pocket services and repairs

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How will novated leasing save me money?

  • Pay less tax by paying for your new car and related expenses from your pre-tax income.
  • You’ll receive fleet discount pricing on the vehicle cost and ongoing expenses.
  • Half price car washes at BP service stations.
  • You pay no GST on the purchase price, or ongoing expenses like fuel and servicing – that’s a 10% saving right there!
  • Smooth your expenses and never have to worry about finding the money for new tyres again - it’s all included in your fortnightly or monthly payment!

Your questions answered
To help you understand if a novated lease is right for you, we've answered our most common questions.

How does a Novated Lease work?

A novated lease is a salary packaging option that lets you pay for a new or used car and its running costs from your pre-tax salary. It’s a three-party agreement between you, your employer, and Fleetcare.

How do I know if I’m eligible for a Novated Lease?

If you’re a salaried employee, completed your probation period at work and your employer is happy to enter into the agreement with us, you’re eligible.

How do I pick my vehicle for the Novated Lease?

Fleetcare will source the car of your choice at the best possible price, with fleet discounts on the purchase price and any accessories you’d like. Already sourced your new ride or prefer a used vehicle? No problems! We’ll make sure all the paperwork is done and the vehicle delivered on time and at a great price.

Can I novate an electric vehicle?

Yes, absolutely. With a Fleetcare Novated Lease, you’re able to choose an electric car, petrol car, hybrid car, or a diesel car.

Check out our electric vehicle page for more information.

How do I know how much I’m going to pay for my Novated Lease?

If you’ve got a vehicle in mind, you can try our online calculator. Once you’re ready, one of our sales consultants can provide you with a personalised quote and talk you through the numbers. Everyone’s situation is different, and we encourage all our customers to seek financial advice before committing to a lease.

Do I get fuel discounts with a Novated Lease?

As a Fleetcare Novated Lease customer, you pay no GST on your vehicles running costs including fuel – that’s a 10% saving right there.

You’ll have access to all major fuel suppliers BP, Ampol, Shell, Coles and Woolworths nationwide. You’ll also enjoy half price car washes, available for all Fleetcare customers at BP stations. Try our novated fuel savings calculator now!

Is insurance included in the Novated Lease?

Our comprehensive insurance product is specifically tailored to leased vehicles and is included as standard in a Fleetcare Novated Lease. Guaranteed Asset Protection (GAP) is also included ensuring you’re never out of pocket in the event of a total loss.

Can I source my own insurance?

Yes, absolutely. You can source your own insurance and we’ll include the budgeting in your novated lease so that you can be reimbursed.

What is the difference between a Novated Lease and a Car Loan?

With a car loan, the vehicle payments and running expenses are paid for after you’ve been taxed. With a Fleetcare Novated Lease, the cost of the vehicle, finance and running costs are taken from your pre-tax salary leaving you with more money in your pocket.

How the process works
A step by step journey of your novated lease from start to finish.

novated lease lifecycle


"This is my second lease with Fleetcare. I have 2 vehicles which I lease and I am very happy with the service provided."
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Disclaimer: Income Tax savings are dependent on your taxable income and individual tax status. GST savings are dependent on your employer’s policy and accounting treatment of GST.