Maximise your take-home pay
Use pre-tax salary to cover your car and eligible running costs, reducing your taxable income and helping more of your earnings stay in your pocket.
Discover how a novated lease through Kooya can help you get behind the wheel of your next car for less. We make salary packaging simple, transparent, and fully compliant with ATO guidelines. No jargon, no stress. Whether you’re in Perth or anywhere across Australia, our fully maintained novated leases are designed to save you thousands in tax every year, all while keeping things easy.
Our salary packaging programs offer benefits tailored to suit all lifestyles & budgets. Fully approved and supported by the Australian Tax Office, find out how you can cover your expenses with untaxed income. See information for employers.
Kooya has the buying & negotiating power of Australia-wide financiers to offer clients top deals on new & used vehicles. Novated leasing delivers tax-effective solutions on the vehicle you and your family need – and want.
We have direct access to an extensive range of car manufacturers and offer the best car deals. Browse some of our vehicles below.
Shop all dealsI was very impressed with Chris’s responsiveness to my numerous queries, as I was new to novated leasing. Chris made the whole process very smooth and straight-forward. I highly recommend Kooya. April 2026
I contacted three NL companies, and Dominic and the team at Kooya were by far the quickest to respond. Dominic’s communication was professional and prompt, and he took the time to answer all of my questions thoroughly. The quote we received also offered the best value. I’d highly recommend Dominic and the Kooya team for any NL car needs. March 2026
The setup of a novated lease with Kooya has been brilliant. Super straight forward and no pushy sales tactics, just genuine people wanting to help. Dominic helped us immensely, even going as far to help us out over a weekend when things moved faster than anticipated. He made this a really easy process & made sure we were kept informed every step of the way to getting our new car! We hope his level of service is upheld throughout the life of the loan. So far, very happy 🙌🏻
Dominic at Kooya Settlements is an outstanding car leasing consultant who truly goes above and beyond. From the very first conversation, he was professional, knowledgeable, and incredibly easy to work with. He took the time to understand my needs, explained every step of the process clearly, and made what could have been a complicated experience feel smooth and stress-free. Dominic’s attention to detail, prompt communication, and genuine commitment to getting the best outcome really set him apart. He was always available to answer questions, proactive with updates, and ensured everything was handled efficiently and transparently. If you’re looking for someone you can trust to guide you through car leasing with confidence and care, I can’t recommend Dominic at Kooya Settlements highly enough. An absolute pleasure to deal with and a true professional in every sense.
I wanted to take a moment to express my gratitude for the outstanding service I received from Dimos Kalogiannis during my recent experience with Kooya. As a first-time user of a novated lease, I was initially a bit apprehensive about the process. However, Dimos’s exceptional assistance made the entire experience seamless and stress-free. Dimos consistently kept me updated and guided me throughout every step of the process. His prompt responses to my emails and phone calls were greatly appreciated, and even when there was a potential change to another car, it was handled with ease. Thank you, Dimos, for your professionalism and dedication.
Rated 5 stars on Product Review.
At Kooya, we make novated leasing more than just cost effective, we make it simple, transparent and empowering. With the buying power of national financiers, we negotiate exceptional deals on new and used cars. Every lease agreement is designed to help you reduce your taxable income, enjoy tax savings and take control of your vehicle ownership journey.
Pay for your car and running costs using your pre-tax salary, reducing your taxable income and increasing your take-home pay.
Our dedicated team provides one-on-one support, guiding you through every step of your lease with care, clarity and expertise.
From finance and fuel to maintenance and insurance, we handle it all so you can simply enjoy the drive.
A novated lease is an agreement between you, your employer and a financier that allows you to pay for a car using your pre-tax income, reducing your taxable income and therefore paying less income tax.
This tax-effective structure covers expenses like fuel/charging, registration, insurance, maintenance and servicing, all in one convenient regular payment. You enjoy the freedom to drive the car you want while lowering your taxable income and avoiding unexpected bills.
Your Kooya novated lease takes care of everything, from managing your pre-tax deductions to handling your ongoing finance payments. Not only do you enjoy incredible tax savings, but you also get complete peace of mind knowing Kooya is managing it all for you. It’s the ultimate hassle-free way to own your next car.
From insurance and fuel cards to maintenance, tyres and rego, your car’s running costs are bundled into your lease for the ease of one single payment. You’ll have no surprises, just simple budgeting and potential tax savings.
Our team provides support before, during and after your lease setup. We tailor your novated leasing arrangement to suit your financial situation, lease term and preferred vehicle type, whether it’s a new car or used car.
All Kooya customers are provided with 24/7 secure access to our online customer portal to track and manage their salary packaging arrangements, available on both desktop and mobile.
A novated lease with Kooya is designed to make owning your next car simple, cost effective and supported by genuine people who care. We take the time to understand your needs, making sure every detail of your lease works for you.
Use pre-tax salary to cover your car and eligible running costs, reducing your taxable income and helping more of your earnings stay in your pocket.
Benefit from reduced GST on the vehicle and many ongoing expenses, making it a more cost-effective way to purchase and operate your car.
By spreading your vehicle costs evenly across the year through payroll, you avoid large annual bills and enjoy smoother, more tax-friendly budgeting.
Kooya donates 5% of profits to the Bibbulmun Fund which aims to open new possibilities for Aboriginal enterprise and foster entrepreneurial leadership by supporting Aboriginal-owned and delivered projects which focus on real outcomes and collaborative approaches toward economic development. It is led by an advisory board who approve support for regionally relevant initiatives that facilitate positive impact throughout Aboriginal Australia.
Projects offering new opportunities for Aboriginal enterprise and entrepreneurial leadership.
Projects that are designed, owned and delivered by Aboriginal Australia, for Aboriginal Australia.
Innovative projects that have long-term sustainability, impact and regional relevance.
Inclusive and co-operative projects that leverage support from collaboration partners.
Pay your car loan repayments before paying your income tax. This means using untaxed dollars directly from your employer to finance that ideal vehicle. Low rates, streamlined options.
Fuel, registration, insurance, tyres, roadside assistance, maintenance & servicing. ALL covered with untaxed dollars, all tailored to amounts suited to your circumstances. Say goodbye to running a car from your in-account income.
Kooya provides you with support over the phone, online, or in-person – before, during and after tailoring your package. Any questions or concerns, we’re one call or click away.
With a Kooya Novated Lease, your employer uses your untaxed income to pay vehicle expenses from your pre-taxed income. No more bill-shock and no more bills piling up.
Our tailoring options allow you to control exactly how much or how little you pay, and towards what. Have the flexibility to control your expenses & income as you see fit. No lock-ins, no overspending, no fuss.
The main benefit of salary packaging and novated leasing is reducing your income tax. Kooya agreements and benefits are 100% approved and encouraged by the ATO. Start saving today.
Kooya is all about making life simple, which is why Kooya offers clients access to an online portal. The portal is an easy way to view balances, scheduled payments and more!
Enter your email address to access your portal