The best replacement for novated lease is personal loan.

The best alternatives to novated lease are rated as following:
★★★★★  personal loan
★★★★★  buying outright
★★★★★  hire purchase
★★★★  car loan
★★★  chattel mortgage
★★★  company car
★★★  car allowance
★  salary sacrifice
★  buy car
★  buy outright
  purchase outright

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Google Trends

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novated lease
personal loan
buying outright