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.

Explore more

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.

Explore more

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.