Can I use my own finance with Maxxia?
It depends on your employer, not on Maxxia
It depends on your employer's arrangement rather than on Maxxia. Maxxia administers salary packaging — payroll deductions, running-cost budgets and reporting. The finance on the car is a separate contract between you and a financier. Where an employer's arrangement allows an externally financed novated lease, it is administered the same way any other novated lease is; where it does not, that restriction comes from the employer, not from the administrator.
What we can say from our own records
Maxxia has confirmed to millarX in writing that an externally financed novated lease can be administered under an existing arrangement, and millarX has arranged exactly that for employees of the Department of Education (Victoria), with Maxxia continuing to manage the payroll deductions.
Last verified September 2026.Department of Education (Victoria) →
Not sure what your employer allows? Check your employer →
What to ask Maxxia for
Any of these name the same product. If one is not recognised, try another before treating the answer as final.
- “I'd like a self-managed novated lease.”
- “I'd like a BYO finance novated lease.”
- “I'd like a finance-only novated lease.”
- “I'd like an externally financed novated lease.”
What Maxxia will need
- Written finance approval
- From your financier, showing the lender, the amount financed, the term and the residual. This is the document the whole process hangs off.
- The novation deed
- The administrator issues it. It is signed by you, your employer and the financier, and it is what transfers the lease obligations to your employer while you are employed there.
- The dealer tax invoice
- Made out correctly to the financier, not to you. A wrong purchaser or GST treatment on this invoice is the most common cause of a delayed settlement.
- Proof of identity
- Usually a driver licence. Standard for any lease, novated or not.
- A payroll start date
- Your deductions normally begin in the first full pay cycle after settlement. Confirming the date in writing avoids a gap between the first lease payment and the first deduction.
Fees worth confirming in writing
Asking for a fee schedule before you sign is ordinary practice on any lease. Naming the items makes the question answerable in one reply rather than three.
- The administration fee, and whether it differs for an externally financed lease
- Any establishment or set-up charge added to the lease budget
- Fuel or charging card fees, and account-keeping fees
- Whether any insurance, warranty or service product is bundled into the budget, and whether it is optional
Common questions
Can I use my own finance with Maxxia?
It depends on your employer's arrangement rather than on Maxxia. Maxxia administers salary packaging — payroll deductions, running-cost budgets and reporting. The finance on the car is a separate contract between you and a financier. Where an employer's arrangement allows an externally financed novated lease, it is administered the same way any other novated lease is; where it does not, that restriction comes from the employer, not from the administrator.
What is a self-managed novated lease with Maxxia?
The same arrangement the rest of the industry calls BYO finance, finance-only or an externally financed novated lease: you arrange the loan on the car, and Maxxia continues to administer your pre-tax deductions, running-cost budgets and reporting. Asking for it by one of those names matters, because a consultant working from a bundled quote may not recognise the request phrased another way.
What does Maxxia need to set one up?
Written finance approval from your financier showing the lender, amount, term and residual; the novation deed, which Maxxia issues for signature by you, your employer and the financier; the dealer tax invoice made out to the financier rather than to you; proof of identity; and a confirmed payroll start date. It is the same paperwork any novated lease requires — the difference is who chases it.
Maxxia told me I cannot. What now?
Ask for it in writing, along with the provision of your employer's salary packaging arrangement that prevents it. That distinction matters: an administrator declining as a matter of its own process is a different thing from your employer's arrangement prohibiting it, and only the second is settled. Your employer's page on our site sets out what we have been able to establish about that arrangement.
Holding a quote from Maxxia?
A bundled novated quote states a periodic payment, not the interest rate inside it. We can pull the finance component out and show you the rate you are actually being charged, and what that costs over the term.
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