Blogs | Fingo Finance: Helpful Tools and Guides

5 Mar, 2026

Denza Confident of Disrupting Luxury Brands in Australia and New Zealand

Image Source: GoAuto.com Chinese premium new energy vehicle brand Denza has signalled bold ambitions for the Australian and New Zealand markets, declaring its intention to compete directly with established luxury leaders including BMW, Mercedes-Benz, Audi and Lexus. Speaking at the local launch of the B5 and B8 in South Australia’s Flinders Ranges, Denza ANZ chief … Continued

Novated Lease

28 Feb, 2026

EV Novated Lease Calculator: Get Your FBT-Free Quote Instantly

Electric vehicles have changed the novated leasing landscape in Australia. With the Fringe Benefits Tax exemption still applying to eligible EVs in 2026, many employees are discovering that driving electric can cost significantly less than expected. If you are considering an EV, the fastest way to understand the benefit is to use an EV novated … Continued

Car Finance

27 Feb, 2026

Does a Novated Lease Reduce Your Salary?

One of the most common questions employees ask is, does a novated lease reduce your salary? The short answer is that it reduces your taxable income, but it does not reduce your agreed salary in the way many people assume. Understanding the difference between gross salary, taxable income, and take home pay is key to … Continued

Why Paying for Your Car With After-Tax Money

Car Finance

21 Feb, 2026

Why Paying for Your Car With After-Tax Money Costs More in 2026

Paying for a car with after tax money is still the default choice for many Australians, but in 2026 it is also one of the most expensive ways to own and run a vehicle. Fuel/Charging, servicing, tyres, insurance, registration, and loan repayments are usually paid from your after tax income. That means every car related … Continued

Car Finance

21 Feb, 2026

Novated Lease vs. Car Loan: How to Time Your 2026 Finance Decision

Choosing how to finance a car is rarely straightforward. Many buyers reach the decision feeling unsure, not because they haven’t done research, but because the information they’ve found hasn’t helped them compare options in a meaningful way. Most car finance decisions are made across weeks or months. Buyers explore vehicles, run repayment estimates, pause, revisit … Continued

Novated Lease

6 Feb, 2026

Why More Australians Are Switching to Novated Leasing in a High-Interest Market

High interest rates have changed the way Australians think about car finance. With borrowing costs remaining elevated and vehicle prices still high, many buyers are realising that the traditional car loan is no longer the default option it once was. Instead, more people are reassessing how they structure vehicle costs and looking for options that … Continued

Novated Lease

6 Feb, 2026

New Vehicle Prices Are Up Again: How Aussies Are Reducing Costs Through Salary Packaging

Rising vehicle prices are once again putting pressure on Australian car buyers. Between higher manufacturing costs, ongoing supply constraints, and the rapid rollout of new technology, buying a new car in 2026 is more expensive than many people expected. As a result, more Australians are focusing less on the sticker price and more on how … Continued

Novated Lease

6 Feb, 2026

Chinese Car Brands Are Reshaping the Australian Market and How Australians Finance Cars

The Australian new car market is undergoing a major shift. In 2025, Chinese-manufactured vehicles accounted for around 20 percent of all new cars sold, a sharp increase compared to previous years. Brands like BYD, Chery, GWM, and MG are no longer fringe entrants. They are now mainstream choices, reshaping buyer behaviour and expectations. For Australian … Continued

Novated Lease

4 Feb, 2026

Are Novated Lease Savings Still Worth It After Stage 3 Tax Cuts?

With the introduction of the Stage 3 tax cuts, many Australian employees are reassessing their finances and asking whether novated lease savings after Stage 3 tax cuts are still worth considering. Changes to tax brackets have altered marginal tax rates for many income earners, which naturally raises questions about how effective salary packaging remains in … Continued

Novated Lease

4 Feb, 2026

How Much Can You Save With a Novated Lease in 2026?

Many Australians unknowingly miss between $3,000 and $5,000 each year by paying for their car with after tax income. Fuel/Charing, servicing, insurance, tyres, and even the vehicle itself are often paid for with money that has already been taxed by the ATO. Over time, these costs add up and significantly increase the real cost of … Continued

Uncategorized

3 Feb, 2026

Fingo Helps Australians Make Better Car Finance Decisions

Car finance has become harder to navigate than it used to be. Buyers are comparing more options, rules are changing, and the difference between “cheap repayments” and “real cost” is bigger than most people realise. Many Australians are not short on choices. They are short on clarity. That is exactly the gap Fingo focuses on. … Continued

Novated Lease

30 Jan, 2026

Novated Lease: Is the 2026 BYD Sealion 8 a Good Fit?

As of January 2026, the BYD Sealion 8 has officially launched in Australia and several Asian markets as the flagship seven-seat SUV in BYD’s Ocean Series. It is confirmed that the Sealion 8 is the international name for the vehicle sold in China as the BYD Tang L. BYD is consolidating its naming strategy globally, … Continued