1300 547 226
1300 547 226

Our Services

We’re here to help
every step of the way

Login to Portal

It's never been
this easy!

Application
Completion

Approval of
Application

New Car
Pick up

Here to help,
however you need.

Auto Car Finance Services

Our expert team is on hand to help you with a variety of specialised financial services.

Not only can we look after the financing and insuring of your purchases, but we can also remove the hassle with our procurement, fleet management, or income management products, including:

  • Vehicle Procurement
  • Fleet Management
  • Salary Packaging
  • Debtor Finance

 

Frequently Ask Questions

Our frequently asked questions.

What is a novated lease?

A novated lease allows you to treat your personal car like a company car. It’s a three-way agreement between you, your employer and Auto Car Finance, and allows you to access significant income tax and GST savings and fleet discounts for fuel and servicing.

Why should I choose a novated lease?

Save on tax – You can access significant income tax savings by paying for some of your car’s running costs from your pre-tax income. You’ll also save the GST portion of your running costs and the vehicle’s purchase price (when you buy from a registered dealer).

Save on the purchase price – At Auto Car Finance we’ll get you the best price for your new car and the best value for your trade-in. You can choose to novate a new car, used car or your current car. Because we manage more than 20,000 cars and request over 3,000 quotes each month, we have access to favourable pricing.

Save on running costs – Let us take care of your servicing and repairs. Our network of vehicle servicing specialists offers fleet discounts on parts and labour, and we monitor all jobs and billing to ensure you’re not overcharged.

Enjoy convenience – Your Auto Car Finance fuel card is accepted at more than 90% of suppliers across Australia, and offers savings from 3 cents per litre on petrol and diesel products. You’ll also have 24/7 access to your account online to keep track of your finance and running costs.

How does a novated lease work?

Under a novated lease, you agree to forgo a portion of your salary to cover your car’s running costs, some of which you can pay for in pre-tax dollars. Auto Car Finance then uses regular salary deductions to pay for your car’s running costs including finance, insurance, registration, fuel, servicing and tyres on your behalf.

How do i know if i'm eligible for a novated lease?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings.

  • Your content goes here. Edit or remove this text inline or in the module Content settings.
  • Your content goes here. Edit or remove this text inline or in the module Content settings.
  • Your content goes here. Edit or remove this text inline or in the module Content settings.
What is a residual value?
The residual value is the GST-inclusive amount owing on your car at the end of your novated lease. When your lease expires, you’ll have the option to pay the residual value or re-finance the lease for a further term.
What does a novated lease include?
A novated lease includes all of your car’s major running costs, including:

  • Finance
  • Insurance
  • Registration
  • Fuel
  • Servicing, tyres and repairs
  • Roadside assistance
How do I know if I’m eligible for a novated lease?

First, check with your employer if you’re entitled to a novated lease. Then call us on 1300 547 226 to explore the best option for you and work out how much you can save.

How is my employer involved with a novated lease?
Once you sign a finance lease with Auto Car Finance, a second document called a novation agreement is used to transfer some of your lease obligations to your employer. Your employer will deduct a set amount from your salary (split into pre and post-tax portions) and transfer the money to Auto Car Finance to pay for your car’s lease and running costs.
What kind of car can I choose?
Unless restricted by your employer, you can choose any make and model Australia-wide. You can use a novated lease for a new car, a used car, or your current car. Speak to your employer initially to check if they impose any restrictions on the types of vehicles you can finance.
What car products are not included in a novated lease?
The ATO (Australian Tax Office) stipulates that the following items cannot be included under your novated lease:

  • Road tolls and e-TAG expenses
  • Fines and other infringement notices
  • Accessories fitted to the car after purchase (such as tow bars, roof racks, etc)
Is roadside assistance included with my novated lease?
All Auto Car Finance novated lease customers can enjoy 24/7 roadside assistance, nationwide. You’ll have the option to include roadside assistance as part of in your running costs budget for the life of your lease.
Can I organise my own roadside assistance?
Absolutely. But if you organise your own roadside assistance, contact the provider directly to confirm that your policy will cover you for the life of your novated lease.
Can I break my novated lease contract?
When you enter into a novated lease, you agree to lease the car for a fixed period of time, so it’s important to choose a lease term that reflects how long you intend to keep the car. If you break the lease, you’ll need to pay the remaining lease repayments and the residual value of your vehicle (both GST-inclusive).
What is fringe benefits tax (FBT)?
A novated lease allows you to reduce your taxable income. To offset some of this reduction in income tax, the Australian Tax Office (ATO) levies another tax called FBT on the novated lease that your employer provides to you.

The amount of FBT you’ll be charged mainly determined by the value of your car. A novated lease is tax effective because in most cases, your income tax savings will be greater than the FBT payable.

What are my ‘consumer guarantee’ rights under Australian Consumer Law?
The Australian Competition and Consumer Commission (ACCC) has created a fact sheet for new car buyers to receive at the point of purchase. The fact sheet explains consumer guarantees and their interaction with warranties, and details what consumers can expect if there is a problem with their new car. A copy of this fact sheet should be provided by the dealer supplying the leased vehicle at delivery.

As the owner of the vehicle, Auto Car Finance will pass the benefit of these ‘consumer guarantee’ rights to you during the lease term and provide you with assistance to enforcing your ‘consumer guarantee’ rights if required.

Discover How You Can Make Some Smart Savings

On your next purchase with our FREE guide: Novated leasing made simple

Simply by paying for things a little differently, you can stand to save thousands! The FREE Guide details everything you need to know about a Novated Lease to get started. It's the smarter way to finance your next purchase.

We don't give it out to strangers though - Fill in your details below and download the FREE guide to learn more.


    Please contact us on 1300 547 226 for a No Obligation, FREE Quote, and Approval! Or, simply contact us today for a 5-minute callback.