Exclusivity vs Employee Choice
ABOUT US
Novated leasing with fairness, flexibility, and simplicity at its core.
At Employee Choice, we do one thing — novated leasing — and we do it differently. We believe employees should have the freedom to choose the novated lease provider that works best for them. That’s why we never ask for exclusivity from employers. We’re here to create a smarter, more competitive, more transparent marketplace — where drivers win.
Exclusivity vs Employee Choice
Right Choice Means Real Savings: Why Exclusivity Doesn't Work
Imagine if there were tax savings on your home loan — but your employer insisted you use their chosen bank.
That’s what happens with exclusive novated leasing deals. Drivers are forced to use a single provider, with no ability to compare or switch.
The Results Are Predictable
Higher Costs
(No Competition)
Thanks to tax benefits and fleet discounts, drivers often save $10,000–$25,000+ compared to a car loan.
Poor Service
(No Accountability)
When there are no other options, providers aren’t motivated to deliver good customer service or fair pricing.
Frustrated Employees
(No Choice)
Employees are locked into one provider, reducing their ability to find better deals or switch plans.
vs Employee Choice
We Do Things Differently.
At Employee Choice, we never ask employers for exclusivity. We believe in transparency, competition and putting drivers in control.
It’s your car. It should be your choice.
What Our Drivers and Partners Say
Alice
Jerrabomberra, NSW
"A Stress-Free Path to My Dream RAV4! – I recently had the pleasure of working with David Kitchen from Employee Choice to secure a novated lease on a brand new Toyota RAV4, and I honestly can't recommend him and Fincar highly enough. From the initial consultation to getting everything set up and approved, David provided an exceptional level of service that truly sets him apart."
Stuart
Portland, VIC
"Just rolled over my Novated lease at EC, process ran very smoothly. Managed very well by David. The team at EC make the whole novation process amazingly simple."
Mike V
Barton, ACT
"I was given Fincar (EC) as a reference from a friend, who said this company will save you money and headache. It was very true . I did call other competitors, the competitors took weeks to get back to me, Fincar was nothing like that, their information was detailed, accurate, very sharp rates."
Stephen N
Lane Cove, NSW
"I have consistently had a great experience with Fincar for my novated lease. New vehicle for three years and I am now onto a one-year extension. Nicholas was super helpful, walking me through the financing and budgeting process"
Frequently Ask Questions
What is Employee Choice Pre-Tax Motoring?
Employee Choice Pre-Tax Motoring is a smart, tax-effective way to own a vehicle through salary packaging. It allows employees to pay for their car and running costs using pre-tax dollars, reducing taxable income and maximising savings.
How does it work?
Your employer deducts car expenses from your salary before tax, meaning you pay less tax while covering costs like leasing, fuel, maintenance, insurance, and registration—all in one simple package.
Who is eligible?
Employees of businesses offering salary packaging can benefit from Employee Choice Pre-Tax Motoring. Typically, professionals earning $100K+ find the biggest savings, but options are available for various salary levels.
What are the benefits?
- Lower taxable income = More savings.
- All car costs bundled into one easy payment.
- EV buyers get extra tax perks due to current Fringe Benefits Tax (FBT) concessions.
- No lock-in contracts—we welcome competition and focus on service & value.
How do I get started?
Talk to your employer or reach out to us. We’ll walk you through the process, find the best package for you, and handle all the paperwork so you can focus on driving.
Reach Out to Us!
We’re here to make car ownership simple, stress-free, and smart for you. Whether you have questions, need guidance, or want to get started, our team is ready to help!