# Navo: 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. [Work it out](https://navo.au/#start). - **Compared on the numbers.** Weekly cost, total cost and what's owing at the end, side by side. - **Reasons, not just results.** See what drove the result, and what would change it. - **Fixed pricing.** One published fee. Nobody prices you up. - **A curated lender panel.** A small group of lenders we know, not an endless list. ## We do the complicated calculations. You get the simple answer. 1. **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. 2. **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. 3. **See why one comes first.** Option 1, the alternatives, and the main reasons in plain English. Every figure shows the assumptions behind it. 4. **Go ahead when you are ready.** If you want to proceed, a millarX specialist confirms your exact figures. Nothing happens until you say so. ## 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. ## 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. ### What Navo is not - A lender marketplace - A lead-generation site - A rate-shopping site - A calculator built to make one product win ## Car finance calculators - [Novated lease calculator](https://navo.au/calculators/novated-lease-calculator/): Work out what a novated lease would cost you each pay, with running costs and tax included, and what is owing at the end. - [Car loan calculator](https://navo.au/calculators/car-loan-calculator/): Work out your car loan repayments: set the price, deposit, trade-in, term, rate and fees, and see the repayment, total cost and comparison rate. - [Business car loan calculator](https://navo.au/calculators/business-car-loan-calculator/): Work out business car loan (chattel mortgage) repayments: set the price, deposit, trade-in, term, balloon, rate and fees, and see the repayment and total cost. ## Who it helps - [Packaging employees](https://navo.au/who-it-helps/packaging-employees/): Any employer can offer a novated lease. Navo shows whether one is worth it for you, in weekly dollars, next to a car loan on the same car. - [EV buyers](https://navo.au/who-it-helps/electric-cars/): Navo checks whether the FBT exemption applies to your electric car and your delivery date, and for how long. - [Tradies](https://navo.au/who-it-helps/tradies/): Buying a ute or work vehicle used mostly for the business? Navo prices a business loan next to the personal options on the same vehicle. - [Company directors](https://navo.au/who-it-helps/company-directors/): If you run your business through a company or trust, Navo compares a novated lease through your own company with a business loan in the company's name. ## 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. [Work it out](https://navo.au/#start). --- Navo's results are general information and indicative only. They are based on what you tell us and our assumptions, are not a credit assessment, quote or tax advice, and don't take all of your circumstances into account. Credit is subject to the lender's criteria. Fees and charges apply. Navo is a trading name of Blackrock Leasing Pty Ltd ABN 15 681 267 818, Australian Credit Licence 569484.