We assist all SA Government employees with more affordable Novated Leases.

You have a choice of where to purchase, finance and insure your car. This choice can save you thousands.

We assist many employees every month with this choice. Please use our calculator to see how much you’ll save, then with our fast, efficient, and personal service we’ll have you driving your new car within days.

One phone call can save you thousands 1300 990 880 or request a call back by clicking “Contact Us” below.

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SA Government “Self Managed” Novated Lease

All SA Government Employees have the right to do a “Self Managed” Novated Lease.

Vehicle Solutions Australia have provided “Self Managed” Novated Leases to  SA Government employees for over 7 years. Now that SA Government have made the decision to contract Salary Packaging services to a sole provider the “Self Managed” Novated Lease is a more competitive option than ever before. But what are the differences between a “Self Managed” Novated Lease and the sole provider’s “Managed” Novated Lease? and where does Vehicle Solutions Australia fit into this process?

What is a “Self Managed” Novated Lease?

A “Self Managed” Novated Lease works in exactly that same way as any other salary packaged car. Money is deducted from your salary before tax and is transferred to SA Governments Salary Packaging sole provider to be managed. It is the sole providers responsibility (“Self Managed” or “Managed”) to pay your lease and all other running costs as per their contract with SA Government. The only difference between a “Self Managed” and “Managed” Novated Lease is;

  1. You get one fuel card (BP) rather than three (You always have the options to pay for your own fuel with discount vouchers and claim the cost back.);
  2. You are required to pay for your annual scheduled service, insurance renewal and registration renewal yourself and claim these expenses back through the sole providers online app. These claims are reimbursed to you within 24 to 48 hrs of the claim. From discussion with many SA Government employees this is what they current do on their “Managed” Novated Lease.
  3. You get the choice of Novated lease provider. (Vehicle Solutions Australia). Always two months in arrears as required by SA Government.
  4. You get the choice of insurer.


“Self Managed” option has a Lower Fee

The “Self Managed” option only costs $180 per year. This is significantly lower than the “Managed” option. With the “Managed” option you are paying for the “Vehicle Management Program”. In most cases the difference in fees would cover the cost of a car service each year. STOP paying for something that you may normally do yourself. For 3 to 4 simple online claims each year, you could save yourself hundreds a year.

Facts about “Self Managed” Novated Lease

  • FACT : Your current Salary Packaging provider does not have to sole contract/right to provide Novated Leases to SA Government Employees. This fact is not made clear in many presentations. There is a very big difference between the car finance (the Novated lease) and the Salary Packaging (the Deductions and Administration). The SA Government provider only has the right to the administration of the Salary Package payments NOT NOVATED LEASING.
  • FACT : You still retain the right to find your own car (dealership of your choice), finance (Novated Lease) and your choice of insurance provider.
  • FACT : This right to choice can save you thousands more over your lease term.

We have established a separate section of our website and online calculator for SA Government employees. Our calculator provides instant accurate quotes that don’t require your personal details. This means you can do as many quotes on as many cars as you need without any pressure.



Our car prices are cheaper and our finance is much cheaper! The finance is called a Novated Lease and this is where you have a choice and can save thousands more over the lease term. The South Australian Government has ensured that competition and choice are still an option for all employees when leasing a vehicle through Salary Packaging, even though in our opinion this is not made clear by the Salary Packaging provider.

To see how much you will save use our online calculator to get an accurate quote in seconds. We are one of the only leasing providers to offer a no obligation quote system that does not require any personal details, so you can quote as many times as you like, however we are always here to help on 1300 990 880 when you need us.

If you want to save even more try our unique car buying site called Motorbuys. Simple go to www.motorbuys.com.au. This service is free AND will save you thousands off the price of a new car. This means you will save even more on your lease payments.

Need more information or just want to work out how Salary Packaging a car can work for you please call us on 1300 990 880 anytime.

Use our calculator above to compare your current quote. We can save you thousands. Our quote takes seconds to use and is 100% accurate.

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Whilst all efforts have been made to provide the most accurate results possible, these figures are based on the information you have provided and should only be used as an example. The example includes scheduled servicing, tyres, registration, lease payments, fuel and Comprehensive insurance. Prior to signing any documents you will be provided with a copy of all the paperwork including this estimate, finance terms and conditions and a copy of the insurance Product Disclosure Statement and the company’s Financial Services Guide. Prior to this you can view or download a copy of our FSG and insurance PDS files in our “FORM’s” section on this website to assist you in making an informed decision.


If you have any questions or concerns regarding this example please complete the enquiry form on our contact page or phone 1300 990 880. A member of our Salary Packaging team will be back with answers with 2 working hours.


Total cost to take-home pay


Annual Savings

From income tax

Novated Leasing is the best way to finance your car.

Tax Effective & Convenient

Salary packaging is simply paying for your car’s everyday running costs, before tax. So you pay less tax and have more in your pocket.
All vehicle running costs, including a fuel card, are covered in one easy payroll deduction.

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