Getting a novated lease with SG Fleet


Novated leasing explained

A novated lease is a three-party agreement between you, your employer and SG Fleet. You enter into a finance lease with SG Fleet, and then a second document called a novation agreement is used to transfer some of your lease obligations to your employer.

Once the novation agreement is in place, your employer is considered to be leasing the car. This allows your car to be treated as a company car, which provides significant income tax and GST savings to you. 

To maintain your novated lease, your employer deducts a regular payment from your salary (this is made up of pre- and post-tax contributions), and then remits this amount to SG Fleet to pay for your car’s running costs.

SG Fleet will monitor your driving habits and car expenses to ensure your novated lease budget stays on track. Check to see if you're eligible for a novated lease under your employer’s salary packaging policy.


Novated lease enquiry

Submit your enquiry here and our team will be in touch with you shortly.

Check with the boss

Check in with the boss

Any full-time employee in Australia can take out a novated lease, subject to that individual’s employer salary packaging policy.

For you to get a novated lease with SG Fleet, you need to check that you are eligible under your work’s policies and that your employer has a current agreement in place with SG Fleet, so they are all set up to make the salary sacrifice deductions for you.



    Find your new car

    Choosing your next new car is the fun bit. Visit your local dealers, have some test drives, surf the web. Learn about your favourite colours, options, and features. Get an idea of what will be best for you. Here are a few tips to help you find the right new car for you:

    • Novated lease calculator 

      Use SG Fleet's web tool to see weekly costs and annual savings.

    • Expert reviews

      Visit Driving Insights for auto industry news and expert reviews of some recent release makes and models to help you with your research. 

    • Leasing a used car

      SG Fleet is happy to help you with a novated lease on a second-hand vehicle. Check out our guidelines for leases on used cars.


    Find your new car

    See the savings

    See the savings

    Once you've chosen your car, it's time to see the impact your novated lease will have on your salary. SG Fleet's friendly novated consultants are ready to help you. We can create and compare some accurate quotes with live SG Fleet pricing, compare different vehicles and lease terms, and help you see what is best.

    All we need to know is your annual salary and an estimation of the kilometres you are likely to drive each year, then we can provide your quotes and an analysis of what it might mean to your take home pay. Start exploring online, or get in touch with the team to get us to do the exploring and explaining for you. 



    Get your car

    Chosen your new car? Happy with your quote? Let’s order it for you. Here’s what we’ll do:

    • Credit application

      We’ll walk you through this simple process, or you can go ahead and do it yourself online

    • Lease agreement

      When your credit is approved, we’ll send you some essential forms to sign and return. Then we’ll get your new car ready.

    • New car delivery

      When your new car is ready, you can pick it up from the SG Fleet dealer. Get your personalised new car induction, and away you go. We'll provide you with your new fuel cards at this time.

    Get your car

    Hit the road

    Hit the road

    We work directly with your payroll department to start deductions that cover the finance, and all your car’s running costs – GST free. Convenient, cashless driving is all yours. Onward.