Novated Leasing for Employees A simple way to get a car using your before-tax salary. Enquire now Calculate my savings At a glance: Novated leasing A novated lease is a way to get a car through your employer using some of your before-tax salary. It can help make managing your car costs simpler by combining expenses like finance, fuel or charging, registration, insurance and servicing into one structured payment. Novated lease benefits Tax savings: Access potential income tax savings by paying for your car and running costs from some or all of your before-tax salary depending on the car you choose Fleet discounts: Our buying power means you get access to further fleet discounts on new cars Save on GST: Depending on your employer, you could save GST on the purchase price of the car and the ongoing running costs for the life of your lease Budget convenience: A simple regular payment covers your finance payment and your car’s regular expenses such as registration, insurance, fuel or charging, maintenance, tyres and roadside assistance 24/7 driver support: Enjoy peace of mind with 24/7 driver support, always on hand to offer advice in any way we can Explore your novated lease options Fleetcare provides tools to help you compare options, estimate costs, and make informed decisions about your novated lease. Showroom Deals Our latest novated lease car deals. Novated Lease Calculator Get a realistic idea of how much you could save. Webinars Register for an upcoming webinar and get expert insights on novated leasing. Car Reviews Compare models and choose with confidence. What is a novated lease? A novated lease allows you to finance your next new, used or existing car and it's running costs by accessing some of your salary before-tax. This means you could pay less income tax and take home more pay. And if you decide to take out a novated lease on an eligible electric car, thanks to the Federal Government's Electric Car discount, all your cars' payments are made before-tax, which means you could take home even more pay. You can access your before-tax salary, because a novated lease agreement includes an employee, their employer and a salary packaging provider like us! This arrangement, unlike traditional methods of finance, means the cost to purchase a car and its running costs, could reduce income tax and give access to further GST savings, depending on your employer's policy. To put it simply, you won't finance up to $6,353 during the FY27 financial year for the GST on the purchase price or ongoing running costs with a novated lease. Talk to a novated leasing specialist See the impact on your take-home pay The potential benefit of a novated lease can be seen in your take-home pay compared to paying for a car from after-tax income. Here’s a quick example: If you’re earning $85,000 annually and choose a car worth around $39,700 on a 5-year novated lease, driving 15,000km per year: Your take-home pay could increase by $43* per week This could add up to $2,236* per year Over 5 years, that's $11,180* more in take-home pay *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. Figures may vary based on individual circumstances and are subject to change. Compare my scenario Why more employees are choosing novated leasing Novated leasing is becoming a popular way for employees to manage their car expenses more simply and potentially more cost-effectively. With a novated lease, you could: Reduce your taxable income and pay less income tax Save GST on eligible car and running costs Access fleet pricing on new cars through Fleetcare Make budgeting easier with more predictable car expenses Drive a new car more often through upgrade opportunities Spend less time managing multiple car-related bills Take advantage of potential EV incentives, including the Electric Car Discount for eligible cars How novated leasing works A novated lease is a finance arrangement between you, your employer and a provider like Fleetcare. What's included Car Purchase Lease payments Vehicle Protection Registration & CTP Fuel or Charging 24/7 Roadside Assistance Repairs & Maintenance Tyres Crash Management Comprehensive Insurance Car Purchase We’ll help you source the best car and the best possible price, with fleet discounts available on the purchase price of new cars and any accessories you’d like. Lease Payments One regular bundled payment from your salary each pay, that covers the finance and the car's regular running costs. This means you have money put aside so you won't be caught out of pocket. Car Protection All Fleetcare novated lease customers receive a car protection accessory pack included in their lease package. Our accessory packs provide great value for money and all the protection needed to keep your car's interior and exterior in excellent condition. Registrations & CTP We aim to meet 100% registration compliance, ensuring you’re always protected. We can assist with car inspections and offer an in-house facility for third-party insurance. Fuel or Charging Based on the number of kilometers you plan to travel, we budget for your fuel spend and provide you with fuel cards for BP, Ampol and Shell service stations, so you won't be out of pocket. You’ll also enjoy half price car washes, available for all Fleetcare customers at BP service stations. For anyone with an electric or plug-in hybrid car, we can also budget for your charging. There are a few options available, and our consultants will help you pick the right one for you. 24/7 Roadside Assistance Contact us whenever you need help with breakdowns, flat tyres, emergency fuel, key replacement, or if you need any advice about your car. No matter what you need, we can help. Repairs & Maintenance Our dedicated maintenance controllers are qualified mechanics, and they will liaise directly with the repairer, ensuring optimum service standards, the best rates possible and that warranties are claimed at every opportunity. You can choose from thousands of approved repairers including tyres, windscreens and batteries. Tyres We include tyres in every novated lease budget, so you’ll never be caught out trying to find money for new tyres again. Choose from a range of authorised suppliers, book online and get back on the road faster. Crash Management Contact our crash management team after an accident. We’ll make sure you’re safe, then get you where you need to be with replacement car hire. We’ll arrange for the car to be towed to an authorised service centre and coordinate your cars repairs with your insurer. We’ll even help you lodge your insurance claim including assessment and third-party recovery if required. Comprehensive Insurance Our comprehensive insurance product for novated lease holders includes Guaranteed Asset Protection (GAP) as standard ensuring you’re never out of pocket in the event of a total loss. Is a novated lease right for me? A novated lease may suit employees who want a more convenient way to manage their car costs and are considering a tax-effective way to structure car expenses. It can be a good fit if you: Want to bundle your car and running costs into one regular payment Prefer predictable, structured budgeting for your car Are considering upgrading to a new or different car Drive regularly and want a more streamlined way to manage expenses Are interested in salary packaging benefits through your employer Before deciding, it’s important to understand how your lease structure, driving habits and employment situation may affect the overall outcome. Fleetcare can help you assess whether a novated lease suits your needs - find out if a novated lease is right for you. Check if it's right for me Driving electric could save you more You can also get an electric or plug-in hybrid car through a novated lease. Eligible EVs may qualify for the Electric Car Discount, which allows: 100% before-tax payments Opportunity for greater savings over the life of the lease Lower running and maintenance costs This could make electric cars more affordable and easier to manage, while also helping reduce fuel expenses and supporting a lower-emissions lifestyle - see how electric novated leasing works in practice. With access to newer technology, advanced safety features and a growing public charging network, many employees are choosing EVs as a practical and cost-effective option through a novated lease. Learn about EVs Am I eligible for a novated lease? Many Australian employees may be eligible for a novated lease, although eligibility can vary depending on your employment situation and employer. You’ll generally be eligible if you: Are a full-time or part-time employee Have completed your probation period Receive a regular salary Work for an employer that offers novated leasing You may still be eligible if you are: A contract or casual employee New to your role Working for an employer without an existing novated lease program Your eligibility can also depend on factors like your income, employment stability and the type of car you choose. If you’re unsure, Fleetcare can help you understand your options and whether a novated lease could work for you - check your novated lease eligiblity with Fleetcare. Real experiences from everyday drivers "This is my second lease with Fleetcare. I have 2 vehicles which I lease and I am very happy with the service provided." MARK, Police Officer Novated leasing FAQs Can I put down a deposit or use a trade-in to reduce the cost of the car? With Fleetcare, you can trade in a car as part of setting up your novated lease. However, trade-in funds can’t be used to reduce the lease principal. A novated lease is for full sale price of the car. What happens at the end of my lease? When you come to the end of your lease, you can: Trade in, trade up - Trade in your novated lease to Fleetcare (or sell it privately) and upgrade your car with a new lease. Refinance - Refinance and extend your novated lease residual amount for another lease term. Payout - Payout your novated lease residual amount and the car is yours. What happens if I find I’m travelling more/less kilometres than nominated? The simplest way to make changes is to contact your Fleetcare account manager. They can adjust your salary deductions and realign your payments at any time during your lease. How are residual values calculated? The residual value is set according to Australian Tax Office (ATO) guidelines. It’s based on the total amount financed and the length of your lease. Residuals ensure leases are structured differently to loans, reflecting expected car value at lease end. Term of Lease Residual % 12 months 65.63% 24 months 56.25% 36 months 46.88% 48 months 37.50% 60 months 28.13% What happens if I leave my employer? If you leave your employer, you have 3 options: Re-novate - If your new employer offers novated leasing, you can transfer your Fleetcare novated lease to your new employer, and your lease will continue as normal. Finance only - If your new employer doesn’t offer novated leasing, you can continue making finance only repayments. This option removes the salary packaging benefits, but allows you to keep the car and maintain the lease until it ends. Sell your car - You can choose to sell the car and use the proceeds to pay off the residual value. For more novated leasing FAQs, visit our frequently asked questions page. Enquire Now Talk to a novated leasing specialist Ready to get started with a novated lease? Speak to Fleetcare today and explore your options. First Name Last Name Email Phone Company State ACT NSW NT QLD SA TAS VIC WA Employment Status Full-time Part-time Casual Contract None Time with current employer 0 – 6 months More than 6 months None Novated Lease Provider (if known) Gross annual salary Do you know what vehicle you are interested in? Yes No Vehicle year, make, model and variant Annual kilometres Lease length 1 year 2 years 3 years 4 years 5 years Message By submitting this form, I consent to be contacted by Fleetcare about their products, services, and offerings. Fleetcare will manage my information in accordance with their Privacy Policy. Verification Failed. Submit Enquiry Still exploring? Electric Vehicles Discover the tax savings and running cost benefits of leasing an electric vehicle through a novated lease. Car Selection Explore car options for new, used, and existing cars to find the right fit for your lifestyle and budget. FAQs Find answers to common questions about novated leasing, payments, tax benefits, and eligibility. Car Protection Options Protect your car and budget with optional cover and protection packs designed for added peace of mind. Important Information: The information provided is for general informational purposes only and does not take into account your specific needs, circumstances, or objectives. It is strongly recommended that you consult with a qualified financial advisor before making any decisions based on this information. Fees, conditions, eligibility and credit approval criteria may apply. Home/ Novated Leasing