Is BYO finance actually allowed under my salary package?

Yes. Salary packaging rules govern how the lease is administered, not who provides the finance. Administrators package externally-financed leases routinely.

Will my administrator push back?

It's business as usual for them — we hand over the documents in the format they expect, and we deal with them directly so you don't have to.

Does anything change for payroll?

No. Your pre-tax deductions, running-cost budgets and reporting all continue through your administrator exactly as before.

What if I leave Western Australian Government?

Same as any novated lease — the finance travels with you. You can re-novate with a new employer or continue repayments directly.

I work part-time / casual — does this still work?

If you're eligible for salary packaging with your employer, you're eligible to BYO the finance. The saving works the same way.

Where does the saving come from?

The finance bundled into a novated quote usually carries a margin on top of the lender's rate. BYO replaces that finance with a transparent millarX loan on the same car and the same term — the management side of the lease is untouched.

The novated lease hack that could save Western Australian Government employees thousands — with one simple swap.

Western Australian Government employees can keep their existing salary packaging administrator and replace only the finance portion of a novated lease with a millarX loan — payroll deductions, running-cost budgets and the administrator all stay the same.

The loan hiding inside your Western Australian Government lease carries a quiet markup. Swap it for a millarX loan — that's it. Nothing else changes, nobody at work does anything differently, and the difference stays in your pocket.

A novated lease is two things. You only need to change one of them.

Every novated lease is finance (the loan on the car) plus management (payroll deductions, budgets, running costs). Your Western Australian Government administrator handles the management brilliantly — but the bundled finance usually carries a hidden margin. BYO swaps just that part.

Your journey, step by step

Quote — MILLARX
Finance approval — MILLARX
Finance settlement — MILLARX
Car collection — YOU
Paperwork to salary packager — MILLARX HELPS. Our automated system guides you through it
Ongoing management — PACKAGER

millarX handles

The vehicle finance & competitive rate
Setting up the lease paperwork
Getting the deal packaged & handed to your salary packager
Re-finance and payouts down the track

Your salary packager handles

Running-cost budgets (fuel/charging, insurance, servicing, rego, tyres)
Your claims & reimbursements
Pre-tax / post-tax payroll deductions with your employer
Ongoing account management & support

Common salary packagers include Smart Salary, Maxxia and Paywise. Your employer confirms which one applies.

Already holding a bundled quote? Prove it against ours.

Drop the quote in and we'll line up every contracted dollar against a millarX BYO lease — in plain English, no email needed to see the result. Compare your quote.

People who BYO'd and kept the difference

I cannot speak highly enough of the team at MillarX, and the founder Ben. Like a lot of people, I was locked into a particular novated leasing company as dictated by my employer. The car finance portion of the contract they offered did not look competitive compared to other options. I thought that I just had to accept it and look at the savings in income tax as a bonus to offset the fact the finance portion of the arrangement was not as sharp as some other lenders. A work friend put me on to MillarX, and all the info they have on their website about BYO finance. The staff I spoke to at the novated leasing company were either willfully opaque or perhaps just woefully ill informed, but three different people I spoke to made it sound like that was NOT an option, but Ben explained it all to me and once I understood, I had the confidence to call back and insist I speak with someone about the BYO finance option. Ben saved us over $10k in repayments on the car loan over 5 years!! Ben is very patient, transparent and aims to make you feel informed and empowered to make smart choices. Do not accept a terrible interest rate out of the gate from a novated leasing company — find out if you can BYO finance, and make sure you contact Ben for a quote.
Fleur Bedford — 5-star Google review

GOATed novated leasing experience. Full transparency, no pushy sales tactics, and reasonable rates. Can't thank the team enough for sorting out my NL in 2 business days. Incredible.
Hudson Yao — 5-star Google review

Fair questions

Is BYO finance actually allowed under my salary package?: Yes. Salary packaging rules govern how the lease is administered, not who provides the finance. Administrators package externally-financed leases routinely.
Will my administrator push back?: It's business as usual for them — we hand over the documents in the format they expect, and we deal with them directly so you don't have to.
Does anything change for payroll?: No. Your pre-tax deductions, running-cost budgets and reporting all continue through your administrator exactly as before.
What if I leave Western Australian Government?: Same as any novated lease — the finance travels with you. You can re-novate with a new employer or continue repayments directly.
I work part-time / casual — does this still work?: If you're eligible for salary packaging with your employer, you're eligible to BYO the finance. The saving works the same way.
Where does the saving come from?: The finance bundled into a novated quote usually carries a margin on top of the lender's rate. BYO replaces that finance with a transparent millarX loan on the same car and the same term — the management side of the lease is untouched.

Ready to keep the difference?

Request a BYO finance quote — we'll price the car you're looking at and show you exactly what to hand your Western Australian Government administrator. enquiries@millarx.com.au · 1800 498 500 · ABN 15 681 267 818 · ACL 569484