Most individuals cannot pay for a car through cash. Because of this, different car finance options have been formulated. The first option is called the car lease. This involves a financier who buys a vehicle for the person and allows him to use it under a lease. The advantage of this car financing option is that it does not make the user directly responsible for the vehicle and he does not shell out a large amount of money in order to use it. The next option is called the commercial. Again, this involves a financier but the terms are much different. This is because the customer will eventually own the car once all the dues have been fully paid. A novated lease is usually done in corporate settings. The employer purchases a car in behalf of an employee. The employee will then be given regularly salary deductions as a means of payment for the car.