Novated Lease with Money Matchmaker®

Toyota Kluger

Is this the car you want to novate?

Australia's Money Matchmaker matching you with your best loans across multiple lenders
Find out if this is your next great ride and how much you could save buying it with a novated lease

The Toyota Kluger

Written by

Shaun McGowan

Kluger is designed to be the ‘ultimate family wagon’ of the Toyota stable - provided you harbour no aspirations of hardcore outback adventuring.

It’s a seven-seater with the main options being: Hybrid or conventional V6 internal combustion powertrains.

Cheat sheet


2.5 litre Hybrid engine delivers everyday motoring or the 3.5 litre V6 petrol engine for 218kW

All terrains

All-Wheel Drive standard on Hybrid, and optional on petrol variants


2,000kg braked towing capability

Accident sensing

Pre-Collision Safety System (PCS) with Pedestrian and Daylight Cyclist Detection

The Kluger Engine

The conventional V6 is a 3.5-litre engine with 218 kilowatts and 350 Newton-netres, and it competes more or less directly with the V6 petrol variants of Hyundai Santa Fe and Kia Sorento. (And, to some extent, with the 2.5-litre turbo four in Mazda CX-9.)

These older-tech V6s really need a rev if you want them to perform. (Peak power is not achieved until a stratospheric 6600rpm - which is pretty much only ever achieved during flat-out highway overtaking, uphill.) And, if you drive them aggressively, fuel economy really does suffer.

The V6 is available in 2WD (front drive) and all-wheel-drive variants, across the range. It’s mated to an eight-speed automatic transmission.

The Hybrid option

Hybrid models use a 2.5-litre four-cylinder engine and an onboard battery/electric motor for a combined 184 kilowatts, with fuel economy greatly improved. The V6 sits at 8.9 litres per 100km, in official tests, and the hybrid is at 5.6 - an incredible 37 per cent reduction in fuel consumption.

Essentially, the Kluger’s hybrid system is designed to capture kinetic energy when, for example, the traffic in front slows down, and you slow to keep pace. In this situation the electric motor functions as a generator, and charges the battery. The, when you need to get going again, the battery supplies electricity to the motor to assist the petrol engine.

In other words, it’s not the kind of hybrid you can plug in to the mains at home, overnight, to charge up.

Salary package this car with a novated lease and save $1,000s

Toyota Kluger

Toyota Kluger specs


Basic features: Choice of 3 drivetrains:

  • 3.5L 6-cylinder petrol engine with an 8-speed automatic transmission, 2WD
  • 3.5L 6-cylinder petrol engine with an 8-speed automatic transmission, AWD
  • 2.5L 4-cylinder petrol engine, 2.5L Toyota Hybrid System with auto CVT
  • 18" 5-spoke alloy wheels
  • 7-Seater with sliding 2nd row
  • 8" colour touchscreen display with 6 speaker audio system
  • Toyota Safety Sense


All the GX features plus:

  • Satellite Navigation
  • 3-zone automatic air conditioning


All the GX and GXL features plus:

  • 20" Chromtec® wheels
  • 11 speaker premium JBL®[C11] audio system
  • Memory driver's seat
  • Panoramic view monitor

Your Kluger options


The Kluger GX, available with a 3.5L V6 engine in 2WD or AWD, or with a 2.5L Hybrid engine in AWD, gives you the flexibility a modern family needs.


The Kluger GXL will reward your family with its go-anywhere ability and impressive list of features.


The Kluger Grande, for the discerning family that works hard and plays even harder.

What you'd get when you salary package a Kluger

  • Fleet discount
  • Registration and CTP
  • Fuel Card
  • Tyres
  • Repairs and Maintenance
  • Roadside Assist
  • Comprehensive Insurance

Learn more about novated leasing.

In summary

Three model grades are available: GX, GXL and Grande, and the hybrid powertrain is available on all three.

GX has 18-inch alloy wheels, an eight-inch infotainment system with six speakers and Apple and Android phone integrations, seven seats, a great deal of standard safety equipment (including adaptive cruise control) and features a black fabric interior.

GXL sticks with 18-inch alloys (different design), more upscale interior trim, electric front seats (eight-way for the driver; four-way for the passenger) plus tri-zone air conditioning.

Grande models roll on 20-inch alloys, add a premium 11-speaker JBL sound system, have premium interior available in black or beige trim, add ventilation to the front seats and a memory function for the driver’s seat. There’s also a panoramic view monitor to assist with precision manoeuvring.

About the Author

Shaun McGowan from



Shaun McGowan

Shaun is the founder of and is determined to help people pay as little as possible for financial products. Through education and building world class technology. Previously Shaun co-founded and Lend.


Money Pty Ltd,
Suite 3, Level 2,
1 Taylor Street,
Moorabbin, VIC, 3189 Australia


Money Pty Ltd trading as Money
ABN: 42 626 094 773
ACL: 528698
AFCA: 83955

© Copyright 2021 Money Ltd.


Money Pty Ltd (trading as provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. does not compare every Lender in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via the website, you are not applying with us, you are applying directly with a Lender Partner. Before entering into any credit product from one of our Lender Partners, you should confirm the rates and product information with the Lender. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice.