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Novated leasing with Smart

More car, less tax

$1,000 gift card offer^
Not sure what you need?

What is novated leasing?

It’s a salary packaging arrangement with your employer, and one of the most convenient and cost-effective ways to buy and run a car.

Use pre-tax income for car finance and running costs
One simple payment each payday
New, used or a car you already own¹

Why choose a novated lease with Smart?

SmartTM makes it simple for you to explore options and find a car that’s right for you. 

Save on GST and income tax 
Save even more with an electric vehicle 
Save time and hassle
A woman charging her EV car

Ready to get started?

Whether you’re exploring salary packaging for the first time, wanting to add new benefits, or thinking of salary packaging a car, Smart makes it simple.

New to salary packaging?

Find out what benefits are available in your industry and what your employer offers, then apply.

Already salary packaging?

Check existing benefits and balances and update or add new ones.

Interested in a novated lease?

See what you could save by salary packaging a car.

What can you salary package?

Here are some popular benefits. What you can package depends on your employer and industry.

Popular benefits
Popular cars
Hot deal

Ford Ranger

Wildtrak

$889 per fortnight*

Price includes running costs

Hot deal
BYD Sealion 6

BYD Sealion 6

Premium PHEV

$460 per fortnight*

Price includes running costs

Hot deal

Isuzu MU-X

LS-T 4X4

$839 per fortnight*

Price includes running costs

Hot deal
MG 4 Excite

MG 4

Excite 51KWh

$384 per fortnight*

Price includes running costs

Electric Vehicles

Order now for a $3,000 incentive on your Tesla purchase!

Tesla is offering Smart™ novated lease customers $3,000 off the purchase price of a Tesla Model 3 or Model Y – but only for deliveries made by 20 December 2024. Terms and conditions apply.

Drive an XPENG G6 from just $219 a week*

Order an XPENG G6 with Smart™ today and get a 10-year manufacturer’s warranty, 10-year battery warranty and your first year's servicing at no cost! Valued at $5,218 (inc GST). Terms and conditions apply.

XPENG 10-year extended warranty

Turn your dream car into your dream holiday

A novated lease is one of the most tax-effective ways to buy and run a car. You could earn 10,000 Qantas Points when you take out a novated lease with Smart™. Terms and conditions apply.

Turn your dream car into your dream holiday with Smart and Qantas.

Drive away with a boot load of groceries!

Get a novated lease with Smart™ and not only could you make big tax savings with your new car, you could win one of 40 $1,000 eGift cards.
Terms and conditions apply.

Drive away with a bootload of groceries

Which benefits are available in your industry?

Click on your industry to see where you could make tax savings.

Not-for-profit and Care
Explore benefits
Private Education
Explore benefits
Public Education
Explore benefits

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. 

 

* Price and estimated tax savings 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, and (5) salary sacrifice using Employee Contribution Method (ECM) and 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 and/or fuel, 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 based on quotes obtained by Smart in November 2024 from its dealership network and may be subject to change.

 

  1. To be able to salary package a used or current car, it must be under 15 years old at the end of the lease with a minimum value of $5,000.