Novated Lease Calculator

Use our Novated Lease Calculator to see how much you could be saving on your next car.

Monthly Vehicle Deals

Can’t see the vehicle you want?

We do Novated Lease Deals on all makes and models of cars. Get a quote below or see more vehicle deals.

Benefits of a Novated Lease

  • Save GST on the price of the vehicle
  • Save GST on petrol, maintenance and service costs
  • Reducing your taxable income, thus saving you tax every pay cycle
  • Extremely competitive pricing on the vehicle of your choice, our buying power means you save!

Your Novated Lease Package Includes




Insurance & Roadside Assist


Lease Repayments


What is a Novated Lease?

Put simply, a novated lease is a financial agreement between you (the employee), your employer and the company lending you the money to finance your car purchase. You borrow money from the finance company to purchase your car, and your employer arranges to have your regular lease repayments deducted directly from your salary (this is known as salary sacrificing). These deductions are made from your salary before tax is calculated, thus reducing your taxable income and saving you money. You pay less tax!

Do I need to have any business use for my car to use this service or save tax?

No, you do not need to be using your car for business purposes to save tax under a novated lease arrangement. The car is your personal vehicle and is registered in your name.

What are the advantages of a Salary Package with a novated lease?

The main advantage of a novated lease is the potential tax savings employees can make under a novated lease arrangement. These savings will be different for everybody and we urge you to contact our experienced team to discuss your options.

Can I get a novated lease on a used car?

Yes. You do not have to purchase a brand new car in order to enjoy the advantages offered by a novated lease agreement. Some restrictions will apply to the purchase of a used vehicle. Our team will be able to assist you when you are ready.

What happens if I leave my job?

If you leave your workplace before the lease has expired, simply contact us and we can help set you up a new agreement with your new employer.

What sort of car can I buy?

The choice is yours! There are generally very few restrictions on the type of car you can package. At SPA we have built relationships with dealers across Australia to get you the best deal on your new car purchase.

Is anyone else allowed to drive the car other than me?

Yes, of course. Because the car is yours and registered in your name, who you let drive your car is your decision.

How do I work out my savings?

To get an indication of your potential savings, you can use our online calculator. However, to gain a better understanding of the potential savings you can make, contact our friendly SPA team for an obligation free consultation.

Am I able to speak to someone directly to ask questions?

Call SPA on 1300 786 664 and our helpful team will be able to assist you in offering the benefits of salary packaging to your staff. We also have an employer section on our website to give you some general information on how salary packaging works for employers.

What do I do if I lose my fuel card?

Contact us immediately on 1300 786 664 we will cancel your old card and reissue you with a new one.

What Our Clients Say About Us

Greatly appreciate all that you guys do for me. Coming up to a year with my car and any issues that I’ve had during this time have always been taken care of in a very efficient and professional manner.

RoniLocal Government

Thank you for all your assistance. I am happy to recommend SPA to friends and colleagues.

ChristineNT Government

Thank you to all at SPA who have been so easy to deal with over the years.

GregUrban & Regional Planner

I am very satisfied with the customer service I have received from you and would not hesitate in dealing with SPA in the future.

BarryEducation and Training

I picked up my new car on Monday and it is beautiful! I’d just like to drop you a line to say that my experience this time with SPA was as professional, stress free and efficient as the first time I packaged a car with SPA 2 ½ years ago.


What a surprisingly pleasurable experience!
I have been working with Phil Ruppenthal and I cannot sing his praises enough. He was prompt and professional in his initial contact and has made the whole process very easy.
We live on a working cattle property, my husband is often away and I was feeling quite overwhelmed by the whole ordeal. Phil really did put my concerns at ease and negotiated to get us an amazing deal.
He was also polite and friendly, qualities that often get overlooked in today’s society.
We picked up our car this afternoon and are so grateful and excited.
I just wanted to let you know how happy I was (the kids say thanks too) and provide some positive feedback.

JoQLD Government

Thank you for all your assistance in the past year. It’s refreshing to get such great customer service these days.

BarbaraLocal Government

On behalf of myself and Aiden I would like to take this opportunity to thank you for all your assistance whilst dealing with Aiden’s Salary Packaging over the past few years. Your customer service has been prompt, reliable and professional.

AnnaFull FBT Employer

I have enjoyed the benefits of being an SPA client and found your services and their quality to be of a consistently high standard.

LucindaUniversity Lecturer

I just wanted to take this opportunity to thank a number of SPA staff for the advice, attention and brilliant customer service I have received over the years. You have all made every single transaction effortless, your response times are so quick, and it’s an absolute pleasure to deal with a business that has such high values on their customer service and which is displayed repeatedly by their staff.

DonnaLocal Government

I would like to bring to your attention the outstanding client service I received from your Fleet and Novated Leasing Account Manager Dan Taylor recently.
To say that dealing with Dan has been the best experience I have ever enjoyed as a business client would not be an exaggeration. Not only was he professional, knowledgeable and courteous, he also took the time to answer all my questions patiently and thoughtfully. His response time to my emails was exemplary and he went well above and beyond what I had expected in terms of service and client care.
I would not hesitate to recommend Dan as a valuable contact and I will be doing exactly that should I become aware of a colleague seeking to obtain a vehicle under a novated lease.

MichelleUniversity Lecturer

I am writing to express my personal congratulations on the professionalism and excellent customer service I have received from all the staff I have been in contact with in dealing with SPA.
A special mention to Mr Adam McGilchrist, when I first enquired he was both very informative and courteous and showed exceptional customer service technique. His manner and patience in explaining the process to me even though I am sure he has done this a thousand times before, showed no sign of tiredness or hint of frustration at my ignorance or requests for further detailed information.
He also was extremely prompt in replying and returning both email and telephone enquiries to my further queries and in the end was the deciding factor in proceeding to do business with your company.
I look forward to doing further business with SPA in the future.

StevenLocal Government

Thank you so much for your help me through this process. SPA has been awesome to me and my family for the past 5-6 years, I would recommend you guys to anyone and everyone I know.

KylieLocal Government

Thanks you, I must also say what a pleas(ur)e your company is to deal with! After my very poor experience and big financial loss with (name withheld) it is such a relief to deal with a professional company with online resource tracking that you can look at 24/7 for peace of mind!


Thank you very much, guys. This is why I have stayed with you guys. Your service is outstanding.

WayneNT Government

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