Questions, answered plainly.
No jargon, no fine print you have to squint at. If your question isn't here, get in touch.
General
Do I need a quote already to use MillarX?
No — drop in your salary and pick a car to see a full breakdown. If you already have a quote from elsewhere, upload it instead and we'll compare it.
How is MillarX different from a traditional novated lease broker?
We show every cost upfront and let you set your own running-cost budgets, instead of bundling in inflated margins and add-ons.
How long does the whole process take?
The initial comparison takes under a minute. If you go ahead, our team turns a real quote around within 1 business day.
What is a self-managed (BYO) lease?
A novated lease is two things — finance and management. A self-managed or "BYO" lease keeps your employer's salary packaging administrator and payroll deductions exactly as they are, and swaps only the finance for a transparent MillarX loan. See how a BYO lease works.
Compare your quote
What file types can I upload?
PDF, image, or screenshot — whatever you have. Our team lifts the details or straightens anything out of shape.
What if some details are missing or wrong?
Click any field to review or correct it — the comparison recalculates instantly, no re-uploading.
Is my uploaded quote kept private?
Yes — it's used only to generate your comparison and isn't shared with third parties.
Costs & fees
What's the difference between the marketing rate and the effective rate?
The marketing rate is what's advertised; the effective rate is recalculated from the actual contracted dollars in your quote — that's the number that matters.
Are running costs included?
Yes, and you set the budget yourself — we don't bundle in a servicing plan or roadside assist you may not need.
Are there any fees I won't see upfront?
No. Every fee, rate and margin is shown before you sign anything.
EVs & FBT
Does the FBT exemption apply to EVs automatically?
Yes, eligible electric vehicles have the EV discount and FBT exemption applied automatically in every calculation.
Is this financial advice?
No — this is a guide, not financial advice. Figures are illustrative; speak with a licensed adviser before you commit.
Still stuck?
Send us your question and someone from our team replies within a business day.
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