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- Useful Links
- What is a Novated Lease
- An Independent MP’s Salary Packaging and Novated Lease Opinion
- ATO Looking at FBT on Salary Packaging
- Business or Personal?
- Changes to FBT rules
- Coffee Beans and Counting Beans
- Finance Specials
- Fringe Benefit Tax Explained
- Managing The Budget Over Christmas
- More Car Dealer Ads Decoded
- More Loan Ads Investigated
- New FBT Rules
- Picking Out A Motorbike (Part 2)
- Picking Out A Motorbike (Part One)
- Relax, Everybody!
- The Rules, They Are A-Changing
- Toyota 2.9% Finance Offer
- Welcome to our blog!
- What new car models (EV’s) released in 2025 get the FBT exemption?
- When You’re Ready to Step Up
- 2007 Targets Exceeded
- 3 Finance Tips to Keep You in Check
- All The Questions to Ask When Buying a Second-Hand Car
- Applying for a Car Loan While You Have a Personal Loan
- Applying for a Second Car Loan While Repaying an Existing Car Loan
- Are Borrowers Likely to be Affected by Legislative Changes to Parallel Import Vehicles?
- Are Novated Leases Worth It?
- Are There Any Downsides To A Novated Lease?
- Are You Ready To Lease An Electric Vehicle?
- Avoiding Financial Stress Over the Holiday Season
- Barbara Edwin and Watene Stanley
- Basic Borrowing and Lending terms You Need to Know
- BEVs, PHEVs and MHEVs – Oh My!
- Big News
- Buying a Car Through a Commercial Hire Purchase
- Can Afterpay Impact my Car Loan Application?
- Can I Apply for a Car Loan Without a Driver’s Licence?
- Can I get a Car Loan if I am Self-Employed?
- Can I get a Car Loan if I hold a Temporary Skill Shortage Visa?
- Can I Get a Loan for a Bicycle?
- Can I Get an Equipment Loan for My Cleaning Business?
- Can I Obtain More Than One Car Loan?
- Can I Reduce My Exposure if I Co-Sign a Car Loan?
- Can I Trade a Leased Car for a New Car Lease?
- Can I Transfer a Car Loan to Another Person?
- Can I Use the Equity in my Home to Buy a Car?
- Can You Apply for a Novated Lease for a Second-hand Car?
- Car Allowances Explained
- Car Finance for Businesses
- Car Finance Tips for 2023
- Car Finance with a Bad Credit History
- Car Finance With Poor Credit
- Car Loan Application Mistakes
- Car Loans for Newlywed Couples
- Car Loans for Uber Drivers
- Cutting Your Petrol Costs in Tough Times
- Dealing with Pushy Car Salespeople
- Deepal S07 – Novated Leasing Dream
- Do Car Loans Include Other Costs to Get my Car on the Road?
- Do I Have to Pay Stamp Duty on a Car?
- Do I Need a Deposit for a Car Loan?
- Does a Novated Lease Save You Money?
- Does it Make Sense to Borrow Against Your Home to Buy a Car?
- Does the Way I Drive Affect the Life of my Car?
- Essential Maintenance For Your Lease Vehicle
- EV Sales Growth Down While PHEV Sales More Than Double
- Five Tips to Manage Your Car Loan
- Fringe Benefit Taxes and Novated Leases
- Getting ahead with your car loan (or novated lease?)
- Getting Your Finance in Place
- Great Rates in Uncertain Times!
- Guaranteed Future Value Explained
- How a Car Broker Can Help You Save Time and Money
- How Can I Improve My Borrowing Power?
- How do 0%, Interest Free Car Loans Work?
- How Do Bank Statements Affect the Outcome of a Loan?
- How do I Secure Finance for a Classic Car?
- How do Same-Day Car Loans Work?
- How Extensive Should the ACCC Make its Review of the New Car Industry
- How Important is Fuel Economy When Buying a New Car?
- How Long Does it Take to Get Approved for a Car Loan?
- How Long Should a Car Loan Be?
- How much does a Car Loan Broker Charge?
- How Much of My Salary Should Be Spent on a Car Loan?
- How Much Should I Borrow for a Car Loan?
- How Much Time do I Need to Arrange a Loan?
- How Regularly Should I Make Car Loan Repayments?
- How Salary Packaging is Fuelling EV Demand
- How the Instant Tax Write-Off Can Help You
- How to Access Finance for a Private Sale
- How to Apply for a Business Car Loan
- How to Apply for a Car Loan as a Single Parent
- How to Apply for a Loan for an Imported Car
- How to Ask An Employer About Salary Packaging
- How to Budget for a New Car
- How to Calculate Your Balloon Payment
- How to Choose the Right Car for Your Business
- How to Get Ahead When Taking out a Car Loan
- How to Get on Top of Your Car Loan
- How to Get Your Credit in Order in the New Year
- How to Improve Your Fuel Economy
- How to Increase Your Likelihood of Getting a Student Car Loan
- How to Pay Off Your Car Loan Quicker
- How to Save Interest on Your Car Loan
- How to Secure a Car Loan as a Casual Employee
- How to Sell a Car Under Finance or Novated Lease
- How To Strain The Alphabet Soup When Buying A New Car
- How to Tell if a Car Loan is Right for You
- How to Upgrade Your Car on a Budget
- How to Upgrade Your Car While Still Paying Off a Loan
- How Will a Salary Sacrifice Car Loan Benefit Me?
- I Quit! But What Happens With The Novated Lease?
- Is a Car Broker Right for Me?
- Is a Car Loan a Better Option than Using Your Credit Card?
- Is a Credit Check Always Required for a Car Loan?
- Is a Motorbike Loan Right for Me?
- Is a Motorbike Right for Your Business?
- Is a Novated Lease Appropriate for My Employees?
- Is a Novated Lease Right for Me?
- Is a Novated Lease the Answer to Your Car Financing Needs?
- Is it Better to Take Out a Loan for a New Car Instead of a Cheaper Second-Hand Vehicle?
- Is it Easier to Obtain a Secured Car Loan?
- Is it Worth Applying for Car Loan Pre-Approval?
- Is it Worth Buying an Electric Vehicle With a Novated Lease?
- Is it Worth Taking Out a Loan to Repair my Car?
- Is Your Credit Score or Credit Report More Important?
- Liberty on board!
- Low Credit Ratings Following a Recession
- Making Sense of the Fine Print
- More Articles 1…
- More Articles 2…
- Most Frequently Asked Questions on Novated Leases
- Motor Bike Finance
- New General Manager Appointed
- New Rates for 2006!
- No Deposit Car Loans
- Novated Lease Calculator Launched
- Novated Leases for SMEs
- Novated Leasing Versus Loans
- Novated Leasing: Just WHAT Is It?
- Private Buyer Finance
- Questions To Ask When Choosing Your New Car
- Rates Holding Steady
- Record Rates in Uncertain Times
- Say Goodbye to the FBT Exemption for PHEVs: ⚡⌚ The Clock’s Ticking!
- Securing Finance Using Your Car as Collateral
- Should I Consider Trading In My Car?
- Should I Refinance my Car Loan Through the Same Lender?
- Should I Repay My Car Loan Early?
- Should I Upgrade My Car While on a Lease?
- Should Motorists be Concerned about Mortgage Brokers Diversifying into Asset Finance
- So You’re Considering a Novated Lease?
- Some good news post April1 for PHEV buyers
- Suitable Salary Sacrifice Cars For Families
- Taking out a loan for a Boat
- The Different Types of Loans
- The Essentials to Ask About Novated Leases
- The Most Important Finance Terms You Should Know
- The Pros and Cons Of Electric Vehicles
- Tips For Extending The Range Of Your Electric Vehicle
- Tips on Taking Out a Loan in a Rising Rate Environment
- Top Tips For Saving Fuel
- Under A Novated Lease, Whose Car Is It Anyway?
- Understanding Fringe Benefits Tax
- Understanding Fringe Benefits Tax With Your Novated Lease
- Understanding Principal and Interest
- Understanding Student Car Loans
- Watch Out for these Dealer Tactics
- Welcome new consultant
- Welcome to Zane Burnard
- What are Low Documentation Car Loans?
- What are Secured Car Loans?
- What are the Essential Questions to Ask a Lender About a Car Loan?
- What are the Most Common Mistakes When Applying a Car Loan?
- What are the Most Common Myths About Novated Leases?
- What are the Ongoing Costs of a Car Loan?
- What are the Potential Benefits of a Chattel Mortgage for Businesses?
- What are the Pros and Cons of a Long-Term Car Loan?
- What Are the Requirements of Low Documentation Car Loans?
- What are the Tax Benefits of Leasing a Car?
- What are Three Signs it is Time to Buy a New Car?
- What Car Loans are Available for Tradies?
- What Car-Related Tax Deductions Can You Claim?
- What Happens at the End of a Novated Lease?
- What Happens if I Break a Novated Lease?
- What Happens if I Terminate a Novated Lease Early?
- What if a Loan Seems Too Good to be True?
- What if I Can’t Repay My Loan?
- What Impacts my Borrowing Power?
- What is a Chattel Mortgage?
- What is a Comparison Rate?
- What is a Short Term Car Loan?
- What is Car Loan Serviceability?
- What is Cash Flow Lending?
- What is End of Loan Refinancing?
- What is Loan Repayment Insurance and Do I Need It?
- What is the Difference Between a Car Loan and a Personal Loan?
- What is the role of a Guarantor?
- What Mods Are OK Under A Novated Lease?
- What On-Road Costs do I Need to Pay?
- What Should I Consider Before I Refinance My Car Loan?
- What Should I Consider With Same-Day Car Loans?
- What Should I Do if I Fall Behind on My Loan?
- What Sort of Vehicles are Difficult to Finance?
- What Tax Benefits Come With Novated Leases?
- What to be Aware Of While Leasing a Car
- What to be Wary of When Borrowing
- What to Consider When Buying a Second Hand Vehicle
- What to Consider When Buying a Second-Hand Vehicle Under Finance
- What to Consider When Rolling Your Car Loan Into Your Mortgage
- What to Consider With a Chattel Mortgage?
- What to Do if You’re Not Happy With Your Car Loan?
- What to Know When Buying a New Car at the End of the Financial Year
- What to Know When Buying Privately
- What Types of Lenders Offer Car Loans?
- When is the Best Time to Score a New Car Bargain?
- When is the Best Time to Secure a Deal for a New Car?
- Who Should I Finance My Car With?
- Why a Personal Loan Might be the Best Option
- Why Are Interest Rates for Used Cars Higher Than New Cars?
- Why Borrowers Should Take Out a Vehicle Inspection for Second-Hand Cars
- Why do Loans for Second Hand Vehicles Have a Higher Interest Rate?
- Why Employees Favour Novated Leases
- Why Should I Consider Car Loan Pre-approval?
- Why Those Contract Terms and Fineprint Make All the Difference
- Why was my Car Loan Application Rejected?
- Why You Should Ask Your Employer to Consider a Novated Lease
- Why You Shouldn’t Finance Your New Car Through a Dealer
- Why Your Banks Statements Influence Your Loan Outcome
- Why Your Credit History Makes all the Difference
- Will My Credit Score Be Impacted if I Refinance My Car Loan?
- Will Ordering a PHEV by 31st March Still Get You The FBT Exemption Benefit?
- With Interest Rates Rising, a Long Term Car Loan May Not be a Good Idea
- Worry-free Car Financing During Uncertain Economic Times
- Wrapping your head around a novated lease
Testimonials
Here’s what just some of our clients have said
Frequently Asked Questions
Who is Fincar?
Fincar has been offering novated car leases to Australians since 2008 and rather than just punch out the numbers like the big guys, we explain how it works, what the benefits are, the advantages and disadvantages and whether it’s worth it in your particular situation. So whether you’re just trying to find out what is a novated lease, or you’d have a specific question about ATO prescribed residual values, one of our friendly consultants can answer that straight away. And, if it looks like it’s going to work, we’ll get you the best novated lease interest rates from Australia’s top lenders.
How does a novated lease work?
Watch our video to see how a novated lease works and how it saves money for Australian employees!

What’s the interest rate for a novated lease?
Novated lease interest rates vary depending on the applicant and whether the car is a new or used car. Fincar has a relationship with car finance companies across Australia so we can tender to our panel of lenders to get you the very best deal
Where is Fincar based and how can I contact you?
We are a privately owned company with offices in Sydney NSW. You’re welcome to call us at any time on 1300 346 227 or better still visit us in person at Level 13, 465 Victoria Avenue Chatswood