Let's help you pay less for the car you love
Smart™ is Westpac's contracted novated leasing provider.
Novated leasing is a cost-effective and convenient way to get into a car you love. Get a personalised estimate by using our leasing calculator.
All things Smart, all in one place
Check how much money you have available, review your transaction history, and track claims—all from the app. With clear, up-to-date salary packaging details, everything is easy to find whenever you need it.
Explore our latest offers for Westpac employees
Rising fuel costs make switching to an EV more appealing than ever
Explore the difference between petrol versus EV running costs, why EV ownership is becoming more accessible, and how a novated lease can make the switch simpler and potentially more affordable.
Drive away with 30,000 bonus Qantas Points**
A novated lease is one of the most tax-effective ways to buy and run a car. Drive away with 30,000 bonus Qantas Points** when you take out a novated lease through SmartTM. Offer ends 30 April 2026.
Smart Sell
Sell your car at a good price, save time and make a smooth transition into your new car, with our complimentary service, Smart SellTM.
Learn more about the benefits of novated leasing
Register for an upcoming webinar, or request a call back from a leasing specialist.
What is novated leasing?
Novated leasing is a simple salary packaging arrangement where your car finance and many of your running costs come out of your pre-tax pay in one easy, regular payment. If you lease an eligible electric car*, 100% of the costs come out of your pay before tax.
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Unlike other car financing options, novated lease pricing includes finance, registration, fuel or charging and comprehensive insurance.
Important Information
This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a SmartTM company.
** This offer is only available to those whose employers allow them to finance a car through Smart. Smart may withdraw, change or remove this offer at any time. To be eligible for 30,000 bonus Qantas Points, individuals must do the following between 1 April 2026 and 30 April 2026: (1) submit the ‘Get a Quote’ form on https://www.smart.com.au/p/qantas-points/; (2) order a new vehicle through Smart; and (3) obtain finance for that vehicle through Smart. Individuals must be a Qantas Frequent Flyer member at the time of vehicle order and link their account as prompted by Smart. For the full terms and conditions of this offer please visit here.
* Prices based on the following assumptions: (1) living in NSW 2000, (2) salary: $90,000 gross p.a., (3) travelling 15,000 kms p.a., (4) lease term: 5-years, (5) salary sacrifice using employee contribution method (ECM) or FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are accurate as of April 2026 and may be subject to change.
^ Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,387 in FY 2025-26). See the Australian Taxation Office website for full eligibility criteria.