A novated lease is a three-way agreement between you, your employer, and a finance company that lets you lease a car using your pre-tax salary. This means your car payments are deducted before tax, reducing your taxable income and potentially saving you money. It typically includes running costs like fuel, servicing, insurance, and registration in one simple payment, making budgeting easier.
When set up correctly, a novated lease offers a flexible, cost-effective way to own and manage a vehicle, whether it’s brand new or used.
Novated leasing allows you to lease a vehicle using pre-tax salary, which can reduce your taxable income and increase take-home pay.
All running costs (fuel, rego, insurance, servicing, tyres) can be bundled into one regular payment, making budgeting much easier.
You can choose any car (new or used), and at the end of the lease, you can upgrade, buy it out, or walk away — ideal for people who like changing cars every few years.
It’s only available if your employer allows salary sacrifice, making it ideal for people working in organisations that offer this benefit (often large corporates or public sector).
Get started with your Novated Lease application and enjoy fast, flexible vehicle financing through your employer. It’s simple, tax-effective, and designed to fit your lifestyle.
At Crestwood Wheels Finance, we do more than just loans — we make car buying easy. With access to a wide panel of lenders, personalised support, and loan solutions tailored to your needs, we take the hassle out of finance.
Honest advice and finance solutions you can count on.
Financing options for various types of vehicles and equipment.
Dedicated support for a smooth experience.
Streamlined application for fast approvals.
Get pre-approved in minutes with competitive rates.
Flexible financing options for both dealer and private purchases.
Before we get started, let us know how you’re looking to borrow. This helps us tailor your loan options and ensure the right documents and details are collected for your situation.
For business owners or sole traders purchasing a vehicle primarily for business use.
A salary-packaged vehicle lease arranged through your employer.
car loan for individuals who are self-employed or using the vehicle mainly for business purposes
A standard personal car loan for everyday, non-business use.
No problem — select this if you’re unsure. We’ll help guide you to the right option.
