Your weekly cost
$428 /wk

All-in · fuel, finance, insurance, rego, servicing, tyres included

Kilometres per year: 15,000kms
5,000 45,000

What's in your $428/wk

Everything below is included. We tally it monthly and reconcile annually so the weekly number stays honest.

Finance repayment $348.52
Fuel (Plus Visa Card) $72.69
Comprehensive insurance $28.85
Rego & CTP $15.38
Servicing (Cupra) $8.65
Tyres $7.69
Management fee $6.92
- Less income tax saved - $60.70
Net cost per week $428.00

Your out-of-pocket savings

Compared to financing the same car on a 5-year car loan + paying running costs from your post-tax salary.

Car loan + cash

$530/wk

Novated lease:

$428/wk

You're better off by $102 / week.

That's $5,304 a year. Over 5 years: $26,520.

Numbers move when you change income, kms or term above. See full assumptions.

Plug-in hybrid – FBT applies.

The FBT exemption for plug-in hybrids ended on 1 April 2025. It’s covered by an after-tax contribution that’s already inside your $428/wk.

$73/wk · all fuel in

Fill up anywhere and pay with the Visa card. It’s bundled into the one pre-tax payment.

0.5 L/100km

Combined cycle. Around 9,000 km from each 45 L tank.

Drivetrain

FWD · 6 Sp Auto Direct Shift

Power

200 kW / 400 Nm

Fuel use

0.5 L/100km

Seats

5 seats · 5 doors

Fuel

Plug-in Hybrid

Wheels

255/40 R20

Warranty

5 yr / Unlimited km

Safety

5-star ANCAP

Full specifications

Drive away price $77,990
Body type SUV
Fuel Plug-in Hybrid
Engine 1.5 L · 4 cylinders · 1,498 cc
Power 200 kW
Torque 400 Nm
Transmission 6 Sp Auto Direct Shift
Drive FWD
Fuel consumption 0.5 L/100km
CO2 emissions 22 g/km
Fuel tank 45 L
Seats 5
Doors 5
Kerb weight 1,940 kg
Wheelbase 2,681 mm
Front tyres 255/40 R20
Towing capacity 2,200 kg
ANCAP rating 5/5
Warranty 5 yr / Unlimited km
Now the hard part - talking to your boss

We’ve drafted the email for you. With this car in it.

Most employers say yes within 48 hours. We’ve made it un-awkward – copy the email, send it, we handle the rest.

Subject: Quick HR thing - novated lease

Hi Sarah,

I've been looking into a novated lease for the Cupra Terramar. It works out at $428/wk all-in and there's no cost or admin overhead for the business - Positive SP handle everything. I've attached a one-pager…

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