Independent — we never sell leases
Is your novated lease actually a good deal?
Don't trust the fortnightly number. Enter your quote and see what you're actually paying — the effective rate, the fees, the true cost, and what to negotiate.
No signup. No sales call. Your numbers never leave your browser.
What the quote doesn't tell you
The real finance cost
We reverse-engineer the effective annual rate from the financed amount, repayments and residual — the number that includes fees hidden inside the finance.
Hidden & optional fees
Establishment fees, admin fees, financed add-ons and optional protection products, surfaced line by line.
True total cost
Repayments + running costs + fees + residual − tax and GST benefits. Never just the fortnightly deduction.
The RFBA trap
For FBT-exempt EVs we model the reportable fringe benefit and its impact on HELP/HECS repayments — the surprise most quotes leave out.
Like-for-like comparison
2–3 quotes normalized to identical assumptions, with a plain-English explanation of exactly why one costs more.
What you can actually do
Negotiation facts, your employer's BYO-finance position, and the questions to ask — whether or not you can switch providers.
10–14%
typical effective rate we find in quotes — versus advertised “base rates” of 8–10%
$1,200–$2,400
typical upfront lender commission on a $60k lease — embedded in your repayments
$770/yr
extra HECS repayment an FBT-exempt $62k EV can trigger at a $120k salary (2026-27)
Estimates from QuoteClear audit data and published ATO settings — see the FAQ for sources.
Why independent matters
Every provider calculator grades its own homework — including the “transparent” ones: their comparison tools benchmark your quote against the lease they profit from selling. QuoteClear has no lease to sell. Our engine is published, our rankings can't be bought, and our only job is to show you the arithmetic.