Car finance

If you’re exploring your options to finance a car in Australia, a novated lease with Easi could be the solution you’ve been looking for. Instead of navigating traditional car loan finance or juggling unexpected bills, Easi helps you secure the car you want with regular payments made straight from your pre-tax salary.

Drive the car you want with payments conveniently deducted from your pre-tax salary. We'll help you organise finance and buy the car you've got your eyes on.

See how much you could save with our novated lease calculator!

Car Finance in a Novated Lease

With Easi, car finance becomes part of a broader, more streamlined package. A novated lease lets you combine your vehicle costs and lease payments into one regular deduction from your pre-tax salary, managed by your employer and an external company.

This approach not only reduces your taxable income and helps you save on income tax, but also simplifies the entire process of financing a car.

Unlike a standard car loan finance arrangement where you repay the loan directly, a novated lease is structured to cover both the vehicle and its running costs in one all-inclusive payment. This can include:

• The vehicle’s purchase price
• Registration and insurance
• Fuel or EV charging costs
• Tyres and servicing
• Roadside assistance and more

It’s a practical way to finance a car while also avoiding lump-sum bills or unexpected servicing costs. Easi works closely with reputable car finance partners to arrange competitive car finance rates, with no deposit required upfront. Whether you're leasing for one year or five, your lease term and repayments are tailored to suit your needs and income level.

Why Choose Easi for Car Financing Through a Novated Lease?

Easi has been helping Australians make smarter vehicle choices for over 20 years. Through our network of finance providers and partners, we make car finance straightforward and tax-effective, all while delivering personalised support every step of the way.

When you arrange your novated lease with Easi, you can expect:

• Competitive car finance rates from trusted lenders.
• Flexible car financing terms to suit your situation.
• Support with approvals, paperwork, and salary packaging.
• A wide range of vehicle choices, including new and used options.
• A plan that includes much more than just the car in monthly repayments.

We help you finance a car the right way, packaged with convenience, cost control, and the guidance of a team that understands what everyday drivers need. No guesswork, no stress, and no wasted time comparing banks and dealerships.

Why Choose Easi for Car Financing Through a Novated Lease?

At its core, car financing is a way to purchase a vehicle by borrowing money and paying it back over time. Most Australians choose to finance their car through a secured car loan, where the car acts as security for the lender. Others may take out an unsecured loan, which doesn’t require collateral but may come with a higher comparison rate or stricter approval criteria.

When you apply for car finance Australia-wide, you’ll often see lenders offering a fixed interest rate. This means your loan repayments stay the same for the life of the loan, making it easier to budget. However, it's important to look beyond the advertised rate as the comparison rate includes fees and charges, giving you a more accurate picture of the total cost.

Traditional car loan repayments are made from your post-tax income, and you’ll still need to budget separately for registration, insurance, servicing, and other car running costs. This can stretch your finances, especially if unexpected repairs or rising fuel prices come into play.

In contrast, novated leasing with Easi offers a different approach, with one that simplifies car loan finance by packaging your vehicle and its costs into one regular, predictable payment. You get the car you want without the typical personal loan structure, and you may save on tax in the process.

Credit Score in Car Financing

When applying for car finance, your credit score and credit history play a role in what offers you’ll receive. Your credit score is a numerical rating that reflects how reliably you've managed credit in the past. This includes things such as loans, credit cards, or utility accounts. Lenders use this score to assess a person’s risk as a borrower.

A strong credit score can help you access competitive interest rates, while a lower score may mean fewer options or higher costs. In some cases, multiple finance applications in a short period can end up impacting your credit score, so it’s worth choosing a provider who can assess your situation without impacting your credit early in the process.

At Easi, we work with reputable finance partners who operate under an Australian credit licence, ensuring your application is handled responsibly and in line with regulations. We also take your personal circumstances into account, including income, employment status, and budget to help match you with a leasing solution that suits your needs.