What is a novated lease?

Put simply, a novated lease is an agreement between yourself, a financier, and your employer, that saves GST and income tax. Being a salary packaging benefit you enjoy unlimited private use.

The total of all finance and operating costs are deducted from your gross salary, which in turn reduces the income tax, an exclusive approach that saves a significant amount of money.

A novated lease is a great way to save money but not all novated leases are equal. If paying less for your car, maximising your tax break and mitigating most of your financial risks is important to you, then let us tailor a novated lease package for you!

Everything is prepaid, so you can go out and live life with freedom.

Novated Lease is a great way to save money but not all novated leases are equal, if paying less for your car, maximising your tax break and mitigating most of your financial risks is important to you. Then, let us tailor a novated lease package for you!

Over 20,000 happy customers and counting

Calculate your savings

Submit your details and receive your FREE novated lease guide!
  • Choose your vehicle or enter the loan amount
  • Your Savings
  • Your Information

Choose your vehicle


Enter the loan amount


What is a novated lease explained

How our process works

1. Choose your car

Whether it’s a Dealer or Private sale, get their best written quote.

2. We negotiate a lower car purchase price

We’ll negotiate a 10-25% discount from the dealer with our fleet buying power and exclusive industry relationships.

3. Receive a transparent novated lease quote

Now that you’ve got a great deal on your vehicle, it’s time to get a great deal on your novated lease too.

4. We take care of the boring paperwork

Upon your acceptance of our market leading novated lease product, we’ll arrange everything with the dealer on your behalf.

5. Drive away in your new car

We present you with the necessary documentation, you sign and drive away!

Benefits of a novated lease for employees

  • No GST on the purchase price
  • No deposits or up-front costs
  • SAVE on your vehicle running and maintenance costs
  • SAVE thousands in income tax
  • Take your vehicle with you if change jobs
  • Just one easy monthly payment for all your vehicle expenses

Benefits of a novated lease for employers

  • Cheaper and easier to manage than providing company cars
  • Provide a more attractive remuneration package to potential and existing customers
  • No residual risk
  • Lower Payroll tax and WorkCover premiums. No surplus vehicles if an employee changes jobs
  • We take care in arranging everything so you can focus on important business matters instead of organising car finance

How we’re different

Thanks to our wealth of industry knowledge we are able to offer savings unrivalled by other financiers.
Talk to one of our consultants today about how you can save more with Fingo.

Tailored package

We craft a package specifically to your values and needs, so that you can get the most out of our services.

Replacement policy

Unhappy with your car or looking to upgrade? We'll accommodate your requests and re-negotiate your plan in order to set you up with your ideal vehicle.

Fully transparent

We operate with full transparency to ensure you don’t get stuck with hidden fees or taxes.

Same-day approval

We want to get you on the road as soon as possible, so you don't want to be held up by unnecessary waiting periods.

Flexible service

We strive to be a helping hand from start to finish. If you're struggling to pay off your loans or need to reshape your package, our team can help.

Save thousands on your novated lease

Compare your quote with multiple dealers

We’ll reach out to our network of dealerships to ascertain whether you really did get quoted the best price or not.

Fleet discounts (even if you’re purchasing a single vehicle)

We have exclusive access to better discounts with our national purchasing power from purchasing thousands of vehicles every year.

Get an obligation-free quote & see if you’re pre-approved for a novated lease now.

Why fingo?

Fingo takes the hassle and stressful steps of obtaining a lease out of the process, so once provided with the necessary information, we’ll get the wheels turning and co-operatively complete the application process, and order your desired vehicle.

Fingo Finance