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Novated Leasing

A finance option that allows you to access some of your salary before-tax. It’s a cost-effective way to get into your next car.

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.

Novated lease benefits
The five key benefits why thousands of Australian drivers choose a novated lease.

Tax savings: Access 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

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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?

Each employer could have slightly different policies, but generally speaking 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

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"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.