A novated lease is an agreement between you, your employer and SG Fleet, that lets you choose the car you want and bundle the finance and all the expected running costs into a single payment that’s deducted from your salary and saves you time and money.
The obligation for payment is transferred (novated) from you to your employer who makes deductions via payroll and pays SG Fleet directly.
You get a competitive price for your new car, pay less income tax, and save GST on your running costs. SG Fleet can even help you sell your car for a tax-free profit at the end of your lease term.
Everything you'll need to keep your car on the road - including maintenance, repairs, tyres, registration, and fuel - is bundled into one regular payment to make managing your car a breeze.
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Check out these popular cars and discover your own weekly packaged cost estimate (running costs included).
Tell me the basics
Want to know how a novated lease works? We break it down in this short video.
Not quite convinced?
Don't let common misconceptions trip you up. Let us bust some myths!
Want to see how much you could save? Use our novated lease calculator to compare different cars, and help you make the right choice.
Ready for a new car? Find out how easy it is to get a novated lease with SG Fleet and all the benefits you'll enjoy, and start saving money.
With TradeAdvantage, you can sit back and relax while we take care of your trade-in for you.
We'll keep you safe on the road with excellent insurance cover, as well as accident management and roadside assistance support.
When your novated lease is coming to an end, what are your options and what do you need to do?
We source quality products from quality supplier partners that can can enhance the safety and enjoyment of any vehicle.
You can salary package lots of things - not just cars. See how else you can access tax savings with maximum convenience and minimal cost.
Important additional information and Disclaimers
^Packaged weekly cost is based on the following assumptions: 1) product is an SG Fleet Novated Lease; 2) someone living in NSW, earning a salary of $85,000 p/a and travelling 20,000 kms p/a under a 4-year novated lease term; 3) the weekly cost includes finance and estimated costs for fuel, registration, insurance, servicing and repairs, tyres and roadside assist based on previous assumptions, which finance and estimated costs may have changed at the time a lease quotation is provided; 4) includes potential GST and PAYG savings over the term of the lease. The calculations include a provision for fringe benefits tax (FBT) if applicable, calculated using the ECM method.
At the end of the lease a Residual Value obligation will apply, and GST will be payable on the Residual Value amount if you make an offer to purchase. The vehicle cost component is based on standard RRP driveaway (sourced from JATO); actual pricing may change at the time a lease quotation is provided. The cost does not include any optional extras unless stated. Any additional optional extras would impact the cost of the vehicle to you. Your individual circumstances have not been taken into account and will impact the overall cost amount and the benefits of a novated lease. Given all vehicle pricing provided is indicative only, for the purposes of assisting you with your vehicle selection process, all orders and delivery times will be subject to stock availability. Vehicle images are for illustration purposes only. Specific vehicles may attract other taxes or levies, for example, luxury car tax. All reasonable care has been taken; however, SG Fleet Group provides no warranties and makes no representation that the information provided is appropriate for your particular circumstances or indicates you should follow a particular course of action.
Independent advice – prior to entering a novated lease arrangement, you should seek independent qualified financial advice as the complexities of a novated lease could have a significant impact on your financial situation.