Get tax savings on a car you love
We could help make your ideal car more affordable. Even if it's the car you already own! Get a quote now to see the tax savings you could enjoy.
Why salary package a car?
Salary packaging a car through a novated lease is one of the simplest and most cost-effective ways to buy and run the car you want. It helps reduce your taxable income and the tax you pay, and you can also save in other ways.
With a novated lease your car finance and all usual running costs come out of your salary in regular, easy payments. With an eligible, fully-electric vehicle (EV)^, it all comes from your income before tax, and for other cars it’s a combination of before and after-tax income.
^ 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.
Drive away with 35,000 bonus Qantas Points*
A novated lease is one of the most tax-effective ways to buy and run a car. Drive away with 35,000 bonus Qantas Points* when you take out a novated lease through SmartTM.
Offer ends 31 March 2026. Terms and conditions apply.
Move into an electric vehicle
You may be able to benefit from federal government FBT concessions by leasing an eligible^ fully electric vehicle (EV) through a novated lease. For eligible EVs, your novated lease can be structured so that lease and running costs are funded from pre‑tax income, depending on your employer’s policy and your circumstances.
With an EV, you can enjoy modern technology and lower tailpipe emissions, while also accessing potential tax advantages available for eligible vehicles.
From start to finish, we can help you save
We can help you secure a competitive price on your chosen vehicle through our network of over 80 South Australian dealers.
Under a novated lease, GST is not payable on the purchase price of the vehicle, and GST savings are calculated on the FBT base value of the vehicle up to the claimable limit ($6,334 for FY 2025–26), unless the vehicle is exempt.
When eligible costs such as insurance, registration, fuel or charging costs, maintenance and car washes are included in your novated lease budget, GST may not be payable on these expenses.
If you join our Vehicle Maintenance Program, you may also be able to reduce your out‑of‑pocket servicing costs. When it’s time to upgrade or sell, our Smart Sell™ program can help you arrange the sale of your vehicle and save you time.
Find out more about the potential savings you could make when you switch to an EV.
* 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 35,000 bonus Qantas Points, individuals must do the following between 2 September 2025 and 31 March 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.