Navo Decision Engine
Finance, worked out.
One car. Three ways to pay for it. Tell Navo what you're buying, your circumstances and what matters to you. We work out the numbers and show you the way to pay that fits your goals, and why.
A few quick questions. No credit check and no contact details to see your options.
Your Navo result
- Option 1Novated lease · 5 yearsMeets all your must-haves
- Option 2Car loan · 5 years · no balloonThe closest alternative
- Not comparedBusiness loanNo business use
Why it came first
- An eligible electric car
- Your employer offers salary packaging
- You'd like to own it at the end
- Compared on the numbersWeekly cost, total cost and what's owing at the end, side by side.
- Reasons, not just resultsSee what drove the result, and what would change it.
- Fixed pricingOne published fee. Nobody prices you up.
- A curated lender panelA small group of lenders we know, not an endless list.
How it works
We do the complicated calculations. You get the simple answer.
Tell us what you want to achieve
The car, how you will use it, how you earn, and what matters most: keeping weekly costs down, owning it outright, or staying flexible.
Navo works out the numbers
It builds each way you could finance the car, across terms, balloons and what to do with your trade-in, and costs every one, including running costs and tax effects.
See why one comes first
Option 1, the alternatives, and the main reasons in plain English. Every figure shows the assumptions behind it.
Go ahead when you are ready
If you want to proceed, a millarX specialist confirms your exact figures. Nothing happens until you say so.
What we compare
Compare the structure before choosing the lender.
Most people are shown one product and asked which lender. Navo starts a step earlier.
Novated lease
Your employer pays for the car and its running costs from your salary, partly before tax.
Can suit employees, and eligible electric cars while they are exempt from FBT. Any employer can offer a novated lease, and our partner millarX can set yours up.
Car loan
A loan in your name for a car you use personally. Usually simple to pay off early.
Can suit anyone buying for personal use, especially if you want flexibility or might change jobs.
Business finance
Finance in your business's name for a car the business uses. The tax treatment depends on your structure.
Can suit sole traders, companies and trusts with real business use.
The Navo standard
We work out the finance before we sell the finance.
The maths comes first
Results come from your answers and the numbers. What we earn is never an input: the engine that ranks your options can't see it.
Everything on the table
Amount financed, rate, term, balloon or residual, fees, total cost, the assumptions, the alternatives, and how we get paid.
Fixed pricing
Pricing is set in advance. The same loan on the same terms gets the same price, and no one can raise your rate.
Curated, not endless
A deliberately small panel of lenders we know. If you don't fit, we tell you. We don't keep shopping your application around.
Find the right way to finance your next car
- About 2 minutes
- No credit check
- No contact details needed to see your options
What sort of car are you after?
9 more questions and we’ll show you what fits.
Questions
Straight answers.
My employer doesn't offer novated leasing. Can I still get one?
Yes. Any employer can offer a novated lease, and our partner millarX can set yours up. Choose a novated lease and tell us where you work, and millarX takes it from there with your employer.
Is this a credit application?
No. Seeing your options doesn't involve a credit check and doesn't touch your credit file. A credit check only happens if you choose to apply, and only with your consent.
Does it cost anything?
There is no cost to see your options. If you go ahead, every fee is set out in writing before you sign anything.
How does Navo get paid?
If you take out finance through us, we may receive a set fee and a commission from the lender. Both are shown in your quote. Neither is part of the comparison: the engine that ranks your options never sees them.
Are the figures exact?
No. They are indicative, based on your answers and our assumptions, which are shown with every figure. Your exact figures come with a quote.
What if none of the options fit?
Navo says so, and shows what would change the result.
Who is behind Navo?
Navo is a trading name of Blackrock Leasing Pty Ltd, Australian Credit Licence 569484. Our partner millarX sets employers up for novated leasing.
Know before you borrow.
Your circumstances. Your goals. Your result.