1800 265 546
Tel. 1800 265 546
What is a Novated Lease?
A Novated leasing is a simple and tax-effective way to finance your vehicle. It’s an agreement between you, your employer, and your financier, allowing you to bundle your car payments and running costs into one manageable payment, deducted from your pre-tax salary. Save on taxes, enjoy flexibility, and drive the car you want without the hassle.
Whether you’re driving a petrol, diesel, hybrid, or electric vehicle, part of your ongoing lease payment is taken from your pre-tax income - helping you reduce your taxable salary and boost your savings.
Get started today! Complete the form below for an obligation-free quote. We'll guide you through every step of the process, from selecting your vehicle to getting the final approval—making novated leasing simple and stress-free.
01
TAX SAVINGS
With a novated lease, your car payments come out of your pre-tax salary — meaning you pay less tax overall. It’s one of the most effective ways to boost your take-home pay while driving the car you really want.
02
BUNDLED RUNNING COSTS
Fuel, insurance, servicing, registration — it’s all rolled into one simple payment. No more juggling bills or surprise expenses — just easy, predictable budgeting.
03
DISCOUNTED PRICING
Take advantage of fleet pricing and wholesale vehicle access that usually isn’t available to everyday buyers. Whether you’re leasing new or used, we help you lock in a better deal from the start.
How it works
Getting started with a novated lease through Express Fund is simple and stress-free. In just a few easy steps, you could be driving your new car while saving on tax and enjoying all-inclusive vehicle management.
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Whether you’ve already found the perfect car or need help narrowing it down, we’re here to assist. You can lease a new, used, or even your existing vehicle in some cases. We’ll help you work out the best deal and provide a quote tailored to your budget and salary.
We liaise with your employer to set up the salary packaging arrangement. They don’t need to do much — we make it easy on their end too.
Throughout your lease we remain your ongoing point of contact — whether it's for service bookings, claims, or questions. You’ll also have access to a driver portal to track expenses and claims.
Get A Quote
Complete a few quick details and we will get back to you with a more detailed quote
Why Choose Express Fund?
At Express Fund, we go beyond just leasing cars — we make the process fast, flexible, and easy to understand. Whether you're an employee or a business owner, our goal is our aim is to help you make the most of your before-tax salary and drive with confidence.
Flexible finance options tailored to your needs.
Fast approvals so you can access funds when you need them.
Expert support every step of the way.
Competitive rates with no hidden fees.
Trusted by businesses and individuals Australia-wide.
Novated Lease vs Traditional Car Loan
Not sure which option is right for you? Here's how a novated lease stacks up against a standard car loan or lease.
Features
Novated Lease
Traditional Car Loan
Tax Advantages
Convenience and
Budgeting
Cash Flow Efficiency
Flexibility
Significant tax benefits: payments come from your pre-tax salary, reducing your taxable income and saving on both income tax and GST.
All major running costs—fuel, servicing, registration, and insurance—can be bundled into one easy monthly payment, simplifying your budgeting and saving time.
By packaging costs and using pre-tax income, you can free up more take-home pay compared to managing a loan and separate expenses.
You have the flexibility to either return the car, upgrade to a new one, or buy it at the end by paying the residual value.
Employment Linked Benefits
Ideal for employees: enjoy vehicle benefits while employed without large upfront costs. Transferable if changing employers (depending on circumstances).
repayments are made from after-tax income, compared to a novated lease, which uses your pre-tax salary to reduce your taxable income.
You must manage, budget, and pay for all running costs separately.
Higher monthly burden since loan payments and running costs come from after-tax salary.
You automatically own the car once the loan is paid, but with no flexibility to upgrade mid-term without selling.
Loan remains your responsibility, regardless of employment changes.
Testimonials
Great work Express Fund
“Great work on my new vehicle acquisition from Ben and the team, I'd have no hesitation in recommending their great services to anyone!"
- Byron
Highly recommend!
"Thank you so much for everything that you've done for me and helped me with through this.Will certainly recommend you to friends and use you again in the future."
- Michael
Will definately use again
"A great way of financing my new vehicle purchase, will continue this way with my next purchase"
- Andrew