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 some popular cars — from frequent favourites to the latest releases — and see how you can save with a novated lease^.
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.
Salary packaging a novated lease can save you money. Compare the costs to paying for the same car with after-tax salary.
We'll keep you safe on the road with excellent insurance cover, as well as accident management and roadside assistance support.
We source quality products from quality supplier partners that can can enhance the safety and enjoyment of any vehicle.
With TradeAdvantage, you can sit back and relax while we take care of your trade-in for you.
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
^Indicative cost per week is based on the following assumptions: 1) product is an SG Fleet Novated Lease; 2) someone living in NSW, earning a salary of $90,000 p/a and travelling 15,000 kms p/a under a 5 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. 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 indicative cost is based on dealer quotes achieved by SG Fleet in the last 60 days and 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.
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.