From a wide variety of lenders on our panel, Hello Car Loans will offer a range of loan products to suit your needs.

A novated lease is a vehicle lease agreement between the employer, you and a Lender. Novated leasing is also known as car salary packaging or salary sacrifice.

When entering in to a novated lease, your employer agrees to pay your vehicle lease payments out of your pre-tax salary. Paying with pre-tax dollars can effectively save you money as your income tax is calculated on the reduced total of your salary or wages minus car payments. Your disposable income is greater than it would be if you were paying for the same vehicle with post-tax dollars.

If Novated leasing is offered by your employer, you can choose the vehicle you wish to drive without the restrictions that typically apply to a company fleet. Once you've purchased the vehicle and made the finance arrangements in your own name, you then enter into a Novation Agreement with your employer.

You agree to "salary sacrifice" part of your earnings in return for the benefit of the car and related costs. Your employer agrees to be responsible for making your lease payments and other agreed costs for the term of your employment.

Hello Car Loans will discuss your financial situation and the details of a novated lease and confirm if this option is the best for you. We can arrange everything for you including delivery of your new vehicle.

Ready to apply? Click the link below to complete the form and one of our finance consultants will contact you to discuss your novated lease enquiry.

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