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Cars are one of our biggest household expenses, yet many of us haven’t been exposed to the significant savings and convenience that a novated lease can offer. It’s one of the cheapest ways to own and run your car.
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Novated leases save time and money

Get the car you want, now

Secure the car you want today. We’ll help you get into your new car quickly by sourcing your vehicle, organising a test-drive, helping you buy it, and arranging delivery.

Save on tax and car running costs

By salary packaging your car with a Flare novated lease, you could enjoy significant tax savings as well as GST savings on your car purchase, fuel, tyres, servicing and maintenance.

Get better vehicle pricing

You benefit from Flare’s buying power. Our team of car experts do the hard work to negotiate on your behalf and secure great deals in our fleet network for new cars.

Lease a brand new or used car

ou aren’t limited to a new car with a novated lease, you can get almost any car of choice as long as it is considered a car for fringe benefits purposes* — new or used. You can even lease your existing car if it is less than 12 years of age at the end of the lease.

Flare makes novated leases easy

Our fully digital novated lease process is completely paperless from start to finish, making it faster, easier, and better for you and the environment.

You’ll be supported by a Flare cars concierge. We’ll manage every step of the process, from trading in a car, to sourcing a new one, and having it delivered to your door.

Our Flare car experts have an extensive understanding of all cars, including electric vehicles and plug-in hybrids. We help you keep across the latest EV and plug-in hybrids to get the right car for you.

It’s convenient and hassle-free

Easier budget management

Avoid hidden expenses and spread your bills across the year by bundling up your finance and running costs into convenient monthly payments. You’ll know exactly how much you are paying for your car each month.

Everything's included

You benefit from before-tax savings on most of the running costs of your vehicle, so you have nothing left to worry about. This includes fuel, tyres, service and maintenance, rego and CTP (NSW), and insurance.

Your own Flare car concierge

Your dedicated car concierge will help you get into the car you are after, providing support and expertise along the way. We’ll help find you the right deal and organise a novated lease that works for your needs and budget.

You’re covered with the Flare Fuel and Maintenance Card

With a novated lease, your fuel cost is spread across the year and a portion is paid out of your before-tax salary to save on income tax. You’ll receive a Flare Fuel and Maintenance Card which is accepted at 95% of outlets, so all you need to do is tap it for fuel and maintenance and everything is taken care of.

How do the savings work?

Find out the benefits and steps involved to get your business set up in minutes.

Frequently asked questions

What is a novated lease?
A novated lease is an arrangement between you, your employer and a financier for a period of time, between one to five years. You can still leave your employer during that time. If you do, you have the options to pay your car off, pay the financier directly or alternatively, you may be able to take the lease with you subject to your new employer’s approval.
Your employer makes before-and-after-tax deductions (known as salary sacrificing) to pay for your car and running costs, helping to save money on tax.
When you decide on a novated lease with Flare, we’ll arrange everything for you from identifying and sourcing the car at a great price through our network, helping you apply for finance, to buying your car and having it delivered. We’ll manage the arrangement with you and your employer. It’s that easy.
You don’t pay the car off in full over the term of the lease as there must be a ‘residual value’’ amount remaining at the end of the lease period. The amount unpaid is owed at the end of the lease. This is determined using a methodology set out by the Australian Tax Office. When you come to the end of your lease, you have plenty of options:

Trade-up your car and upgrade with a new lease

Re-lease your car and pay the residual amount

Payout the residual amount and own the car outright

Sell the car and use the proceeds to pay the residual amount

You are not tied to your employer because you have taken up a novated lease. If you move on, you have the options to pay your car off, pay the financier directly or alternatively, you may be able to take the lease with you subject to your new employer’s approval.
Yes, you can get a novated lease for an electric vehicle and plug-in hybrid with Flare. Our car experts can help you benefit from the significant saving advantages of a novated lease while you help the planet.
When you go electric, you’ll save on fuel and maintenance compared to an internal combustion engine vehicle.
These savings could be amplified even more with a novated lease. Eligible electric vehicles and plug-in hybrids are now exempt from the 47% fringe benefits tax – only if provided through a novated lease. The vehicle must be at first sale less than the luxury car tax threshold for fuel efficient vehicles which is $84,916 as of the 1st of December 2022.* Find out more.
*While vehicles are exempt from paying FBT, there will be reportable fringe benefits for employees.
This is no longer the case. The Federal Government changed legislation a few years back which made the benefit of leasing universal regardless of kilometres driven. So, it doesn’t matter how much you drive per year, you will still save money. The only thing kilometres impact are your running cost budgets for fuel, servicing and so on.
Flare will try and make sure that your budgets are as accurate as possible, however if your expenditure exceeds what we are taking in budgets – we will contact you about increasing your deductions. Also, if we are taking too much and your actual running costs are less than what we have budgeted then we can look at reducing your budgets.

Employees love Flare Benefits

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Terms and conditions

*For fringe benefits tax (FBT) purposes, a car is any of the following:
– a sedan or station wagon
– any other goods-carrying vehicle with a carrying capacity of less than one tonne, such as a panel van or utility (including four-wheel drive vehicles)- any other passenger-carrying vehicle designed to carry fewer than nine passengers
1 Pricing based on the drive-away cost of a MY21 Hyuandai Tuscon Active in NSW.
2 The residual cost for this model comes to $14,724, based on a balloon payment of 37.5%
The above comparison is indicative and of a general nature only, and we have not taken your personal financial objectives, situation or needs into account. We recommend you consider if you need to seek professional financial advice before making any financial decisions regarding Flare Cars.
All calculations are based on the following assumptions: living in NSW, salary: $70,000 gross p.a., travelling 15,00 kms p.a., finance/lease term: 48 months. Figure quoted include budgets for finance, fuel, servicing, tyres, maintenance, comprehensive insurance, registration and CTP.
Novated lease calculations: use Net GST processing method and Employee Contribution Method for FBT purposes; the total cost over life reflects the net effect after rax and includes a Flare cars admin fee; Interest rate quoted for novated lease is 5.78% p.a. vs 7.49% p.a. for a car loan. Cash cost per month based on capital cost of the car divided by 48 months and does not factor in loss of interest. Comprehensive Insurance estimate based on 2.5% of the purchase price of the car.
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Get the car you want now, for less Cars are one of our biggest household expenses, yet many of us haven’t been exposed to the significant savings and convenience that a novated lease can offer. It’s one of the cheapest ways to own and run your car. Enquire now Novated leases save time and money […]