Personal Car Financing
Personal car finance that puts you at the wheel1
A new car should suit your lifestyle, be reliably made, and not break the bank. Financial services should be the same. That’s why we offer flexible finance solutions that can be shaped to your needs.
Please read the Target Market Determinations (TMD) document for our Financial Services products. This document describes who a product is appropriate for (target market) and any conditions around how the product can be distributed to customers.
Download consumer loan TMD here or for more information visit the Target Market Determinations page.
Consumer Loan
Personalise your Consumer Loan by choosing a term, paying a deposit or tailoring your repayments to suit your lifestyle. With 100% finance for approved customers there's nothing to pay upfront, and our competitive fixed interest rates mean you can budget with confidence3.
Novated Lease
A Novated Lease is simply an agreement between you, your employer and Volkswagen Financial Services. We lease the vehicle to you, and your employer makes payments from your pre-tax income for an agreed length of time. It could save your thousands compared to buying a vehicle after tax.
The difference between a finance lease vs an operating lease.
If you choose to lease your Volkswagen, you’ll have the option to do so through a ‘finance lease’ or an ‘operating lease’. Which lease you choose will depend on your long-term plans for your new car.
Someone who wants to buy their vehicle at the end of their lease might benefit more from a finance lease, while those who prefer to regularly upgrade their vehicle may find an operating lease more appropriate.
Finance lease
Under a finance lease, you’ll have the option to purchase your vehicle at the end of your lease agreement. This can save you on the upfront costs associated with buying a new car outright, but you’ll still end up owning your very own Volkswagen after making a final balloon payment.
Repayments on a finance lease do not include maintenance costs, however. This means you will take on the risks of car ownership for the duration of your lease – after all, it could be your car one day.
Operating lease
Operating leases are shorter than finance leases, which gives you the opportunity to upgrade your wheels more frequently. What’s more, maintenance costs are baked into your repayment amounts, reducing the hassle of keeping your vehicle up and running.
For the duration of the operating lease, you’ll be able to use the car exactly as if you owned it, and once your lease is up you simply return it. Just remember, you won’t be able to purchase a vehicle leased through this arrangement.
3 Simple Steps
Online finance pre-approvals without any commitments
Tip: you can also use this tool to simply calculate your repayments.4
- Choose and build your dream vehicle
- Click to apply for finance and tailor your loan to suit your lifestyle
- Submit your application and your chosen dealer will be in touch
- Volkswagen
- For approved applicants of Volkswagen Financial Services (VFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Excludes other offers. While stock lasts. Fees, charges, T&C’s apply. VFS may extend, withdraw or change offer at any time.
- The information provided on this website by Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344 is of a general nature and for information only. Nothing on our website is to be considered legal, financial or taxation advice. You should seek your own independent legal, financial and/or taxation advice about any of our products and services feature on this website, to ensure your personal circumstances are fully considered.
- Subject to Volkswagen Financial Services Australia Pty Limited credit lending criteria and eligibility requirements being met. T & C’s apply. To see if this product is right for you, please see our TMD on our website.
- Calculations are estimates provided as a guide only and not a loan approval. They assume interest rates don’t change over the life of the loan. Applications are subject to credit approval and eligibility criteria being met.