Turn your car into a smarter financial decision
Finspo customers could reduce tax and bundle car costs into simple monthly payments with a novated lease through Smart.
A novated lease is one of the most tax-effective ways to buy and run a car.
Tax savings | Bundle fuel, insurance, rego & servicing | Choose from new or used cars
How It Works
1. Fill out the form
Smart will give you a call to confirm your employer arrangements and eligibility.
2. Choose your car
Select a new or used vehicle that suits your needs.
3. Set up your package
Bundle your car payments and running costs (e.g. fuel, rego, insurance) into your salary package.
4. Pay from a mixture of pre-tax and post-tax income
Costs are deducted from your salary before and after tax, which could reduce your taxable income.
5. Drive and save
Enjoy your car while potentially paying less tax.
6. We manage it for you
Smart handles payments, admin, and ongoing support.
Get your quote
Drive your salary further with a novated lease
Novated leasing is approved by the ATO and can help you save on income tax.
With a novated lease you can pay for your car expenses using a combination of your pre-tax and post-tax salary (or if your car is eligible for the electric car discount^, all payments are made using your pre-tax salary). This could reduce your taxable income and the amount of tax you pay.
No restrictions: Novated leasing myth busters
Drive as little or as much as you like
Use your car for work, weekends and holidays
You don't need to be a high-income earner
Choose the lease term that suits your budget, ranging from 1-5 years
Explore latest deals
Great deals are available on a wide range of cars, including offroaders, hatchbacks and electric vehicles. See how much you could save.
Jaecoo J5
MY26 Summit Auto
$349 per fortnight*
Chery E5
MY26 Ultimate FWD Single Speed
$347 per fortnight*
BMW iX1
MY26 xDrive30
$581 per fortnight*
Hyundai Kona
MY26 2WD SX2 V1
$353 per fortnight*
Ford Ranger
MY26.50 4x4 Wildtrak Double Cab 3.0L
$900 per fortnight*
Jaecoo J7
MY25 J7 Summit SHS 1.5L T/P FWD Hybrid
$495 per fortnight*
Toyota RAV4
MY26 GXL Hybrid AWD 2.5L Auto CVT
$664 per fortnight*
Ford Ranger
MY26.50 4x4 Wildtrak Double Cab 3.0L
$900 per fortnight*
Jaecoo J7
MY25 J7 Summit SHS 1.5L T/P FWD Hybrid
$495 per fortnight*
Toyota RAV4
MY26 GXL Hybrid AWD 2.5L Auto CVT
$664 per fortnight*
We’re here to help
FAQs
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 obtain appropriate legal, financial, or other professional advice based upon your own particular circumstances.
* Fortnightly price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 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 indicative only and based on quotes obtained by Smart from its dealership network in August 2026.
^ 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 ($91,661 in FY 2026-27). See the Australian Taxation Office website for full eligibility criteria.