Choosing the right novated lease provider can have a significant impact on how much you pay, how your lease is structured, and how simple the process feels.
With more novated leasing providers in Australia offering different pricing models, service levels and EV options, knowing how to compare them properly is essential.
This guide breaks down how to evaluate providers, what to look for, and how to make a confident decision in 2026.
Many Australians now use a novated lease calculator Australia tool before speaking to providers so they can better understand potential costs and savings.
What Is a Novated Lease (Quick Beginner Overview)
If you’re new to salary packaging, a novated lease allows you to pay for your car using a combination of pre-tax and post-tax income.
This can include:
- vehicle repayments
- servicing and maintenance
- insurance and registration
- fuel or EV charging
For those exploring salary packaging for beginners, the key benefit is understanding your total cost, not just your monthly repayment.
If you are still learning the basics, our guide on how a novated lease works explains the structure in more detail.
Why Comparing Novated Leasing Providers Matters
Not all providers are the same.
Differences can include:
- pricing structures
- employer partnerships
- customer support
- EV capabilities
- transparency of costs
Choosing the wrong provider can lead to higher overall costs, limited flexibility, or a confusing experience.
This is why many Australians now compare:
- total ownership costs
- included running expenses
- long-term lease flexibility
rather than focusing only on repayments.
To better understand bundled costs, see what’s included in a novated lease package.
Top Novated Leasing Providers in Australia
Here are some of the well-known top novated leasing companies in Australia:
| Provider | What They Do |
|---|---|
| Fingo | Australian novated leasing provider offering vehicle finance and salary packaging solutions for employees and employers. |
| Maxxia | Salary packaging and novated leasing provider serving employers and employees across Australia, including public sector, health, and not-for-profit organisations. |
| SG Fleet | Fleet management and novated leasing company supporting businesses, government, and individual employees with vehicle leasing and mobility services. |
| Smart Salary | Salary packaging provider offering novated leasing, employee benefits, and workplace packaging solutions. |
| RemServ | Salary packaging and novated leasing provider commonly used by public sector, health, and not-for-profit employees. |
| FleetPartners | Vehicle leasing and fleet management provider offering novated leasing, business fleet solutions, and EV leasing support. |
| Paywise | Australian salary packaging and novated leasing provider focused on employee benefits and tax-effective packaging options. |
| LeasePLUS | Novated leasing and salary packaging provider offering vehicle leasing services for employees through employer programs. |
Each provider operates slightly differently, so comparing them properly is key.
How to Compare Novated Lease Providers (Step-by-Step)
1. Look Beyond Monthly Repayments
Many providers focus on low weekly costs, but this can be misleading.
Instead, compare:
- total lease cost
- running cost assumptions
- residual value
For buyers comparing financing structures, novated lease vs car loan: which is right for you can help explain the differences.
2. Understand What’s Included
Some providers bundle everything clearly, while others separate costs.
Check for:
- servicing
- insurance
- fuel or charging
- administration fees
Understanding inclusions is especially important when comparing long-term vehicle costs.
3. Compare EV Capabilities
In 2026, electric vehicle novated leasing is a major factor.
Not all providers handle EV benefits equally.
Look for:
- EV-specific support
- understanding of FBT exemptions
- charging cost assumptions
If you are considering an EV, can you get a novated lease on an electric vehicle explains how EV salary packaging works.
4. Evaluate User Experience
This is often overlooked.
Ask:
- is the process simple?
- can you get quotes quickly?
- is pricing transparent?
For many Australians, clarity and speed now play a major role when comparing providers.
5. Check Employer Compatibility
Some providers only work with certain employers.
Make sure:
- your employer supports the provider
- onboarding is straightforward
This can affect how quickly your salary packaging arrangement is set up.
Novated Lease Comparison Checklist
Use this checklist before choosing a provider:
- total cost over the lease term
- transparency of fees
- EV support and tax understanding
- flexibility at end of lease
- quality of customer support
- ease of getting a quote
Comparing Quotes: What Most People Miss
When comparing a novated lease, many people focus only on the weekly repayment.
However, you should also compare:
- total payable amount
- running cost assumptions
- residual value
- tax impact
This is where using a structured novated leasing calculator can help provide a clearer picture.
Why More Australians Are Using Calculators First
Before choosing a provider, many buyers now:
- test different vehicles
- adjust salary inputs
- compare EV and petrol options
This helps you understand your position before speaking to any provider.
As vehicle prices and tax rules evolve, many Australians are also reviewing how much you can save with a novated lease in 2026 before making a final decision.
How Fingo Fits Into the Comparison
While many providers focus on traditional salary packaging models, newer platforms are focusing on:
- faster quote generation
- clearer cost breakdowns
- improved EV integration
- a simpler user experience
- 5 star customer reviews
For buyers comparing multiple providers, this can make a noticeable difference in both clarity and decision-making.
Final Thoughts
There is no single best provider for everyone.
The right choice depends on:
- your salary
- your vehicle choice
- your employer setup
- your preference for simplicity or structure
The key is to compare based on total cost and transparency, not just headline pricing.
Frequently Asked Questions
What are the common novated leasing providers in Australia?
Some of the main providers include Maxxia, SG Fleet, Smart Salary, RemServ, FleetPartners, Paywise, LeasePLUS and Fingo.
How do I compare novated leasing providers?
Focus on total cost, inclusions, EV capabilities and transparency rather than just monthly repayments and customer service both during the initial process and ongoing service.
Is novated leasing suitable for beginners?
Yes, but it is important to understand how salary packaging works and compare providers carefully.
Which provider is best for electric vehicles?
The best provider depends on how well they handle EV incentives, tax benefits and cost calculations.
Should I get multiple quotes?
Yes. Comparing multiple providers helps you understand differences in cost, structure and overall value.
