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Your novated lease, financed right.
Drive a new or used car through your salary, with the lease and running costs paid from your pay. We arrange the finance and work alongside your employer’s salary packager.
Enquiry received
Your dedicated specialist will call you within 24 hours with your options. No obligation.
Partnered with 70+ lenders
Who a novated lease suits best.
A novated lease is an agreement between you, your employer and a lender. It works best when your employer offers salary packaging and you drive plenty.
Employees buying a car
New, demo or used, petrol, hybrid or electric. Your packager bundles the lease and running costs into one regular deduction.
Electric car drivers
Eligible electric cars are currently exempt from fringe benefits tax, which is where the biggest savings usually are. The rules are set to change from 1 April 2027, so timing matters.
Changing jobs
If you leave your job, the lease stays with you. A new employer can often take it on, or you keep paying it from your take home pay.
A car you already own
Some packagers can novate a car you already own through a sale and leaseback. Your specialist will tell you if it stacks up.
What you’ll usually need
- Two forms of ID, like your driver licence and Medicare card
- Your last two payslips
- Your employer’s details and salary packaging provider
- A quote or the car’s details
Novated lease or car loan, side by side.
A novated lease isn’t always the best fit. Here’s how it compares with the other ways to finance a car.
Fringe benefits tax, salary packaging and residual values follow ATO rules and your employer’s policy. General information only, not tax advice. Check the details with your packager or accountant.
Go on, play with the numbers.
Get a feel for the lease repayment with a residual at the end. Your packager adds running costs and tax savings, so treat this as a starting point.
Estimate only. Excludes fees and charges and isn’t a loan approval or recommendation. Your actual rate depends on your circumstances.
You do the easy bit. We do the boring bit.
Tell us about the car
Two quick steps, no paperwork and no impact on your credit score.
We line up the finance
Your specialist compares lenders that write novated leases and explains the numbers in plain English.
Your packager sets it up
Once approved, your employer’s salary packager signs the novation and starts your deductions.
Big wins. Real reviews.
“Working with Dayle from Lend It was a complete breeze. His team secured finance for our new company vehicles seamlessly. Highly recommended.”
“Professional and expedited business asset finance. Dayle knows his art and his processes are razor sharp!”
“Fantastic finding the right deal for our company car. Excellent communication, hassle-free process, prompt service.”
We work for you! Not the banks.
Walk into one lender and you get one lender’s products. We’re independent, so we line up 70+ and show you which one actually fits.
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No. Requesting a quote doesn’t affect your credit score. We may run a soft check, which doesn’t impact your score. A full credit enquiry is only made when you apply.
A car lease between you, your employer and a lender. Your employer pays the lease and running costs from your salary, partly before tax, and the car is yours to use like any other.
Yes. Your employer has to agree to a novated arrangement, usually through a salary packaging provider. Check with HR or payroll first.
Eligible battery electric cars under the luxury car tax threshold for fuel efficient vehicles are currently exempt from fringe benefits tax. The 2026 Budget announced this will start phasing down from 1 April 2027, with existing leases unaffected. It isn’t law yet, so check the latest rules with your packager or accountant. Plug in hybrids lost the exemption for new leases from 1 April 2025.
Your employer’s salary packager budgets fuel or charging, rego, insurance, tyres and servicing, and pays them from your package. We look after the finance.
The amount left at the end of the lease, set by ATO guidelines based on the term. You can pay it out, refinance it, or trade the car in and start a new lease.
The lease stays with you. Your new employer may take it on, or you can keep paying it yourself from your take home pay.
No. We’re based in Runaway Bay on the Gold Coast and help clients Australia wide, by phone, online or in person. Most of our clients are in Queensland, New South Wales, Victoria and South Australia.
“We find the lender that fits your needs, not ours.”
Dayle Filliponi
Founder, Lend It Finance Group · Credit representative 535236 (Lend It: 535206)
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Your novated lease, sorted by a real broker.
Two minutes to start. A real broker on the phone. 70+ lenders competing for your business.