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)² document for our Financial Services products.
This document ‘Target Market Determination’ 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 a three-way agreement between you, your employer and Volkswagen Financial Services that allows you to pay for your car from your pre-tax income – which could save you money.

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.

01 Choose your dream vehicle

02 Click to apply for finance and tailor your loan to suit your lifestyle

03 Submit your application and we will be in touch within minutes

Choose your vehicle

Next steps

Finance Enquiry

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Disclaimer by Volkswagen

1. 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.

2. 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.

3. 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.

4.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.

App-Connect is compatible with selected apps and the latest smartphone versions of iOS and Android. Active data service is required. For USB connections, a connection cable is sold separately. For wireless connections, App-Connect features wireless Apple CarPlay® and wireless Android Auto™.

The figures stated are for the purposes of comparison amongst vehicles tested under the same testing procedures only. The actual figure may vary depending on multiple factors such as fuel quality, vehicle load, environmental and road conditions.

Fuel consumption figures according to ADR 81/02 derived from laboratory testing. Factors including but not limited to driving style, road and traffic conditions, environmental influences, vehicle condition and accessories fitted, will in practice in the real world lead to figures which generally differ from those advertised. Advertised figures are meant for comparison amongst vehicles only.

Leather appointed seats have a combination of genuine and artificial leather, but are not wholly leather.

All images displayed on this page are for illustrative purposes only and may include overseas models, optional equipment and features not available in Australia. Actual vehicles may differ. Please confirm final specifications and features with an authorised Volkswagen Dealer prior to purchase.

With rear seat in the forward position.

Safety technologies are designed to assist the driver, but should not be used as a substitute for safe driving practices.