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How to finance an Audi

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Plus, explore its special car-buyer programs for college grads, servicemembers and more.

Audi may be owned by Volkswagen, but its models are anything but basic. If you’ve got your eye on one of its luxury vehicles, you have several financing options to consider. Plus, you may be able to score a discount through one of its many car-buyer programs, including ones for military servicemembers and college grads.

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How can I finance an Audi?

When deciding how to finance your Audi, ask yourself whether speed or low interest is your biggest priority. The cheaper option for most people tends to be taking out a car loan from a bank, credit union or online lender. However, this can also be the most time-consuming. After all, you’ll need to compare lenders and fill out several prequalification forms to see what rates and terms you’re eligible for. You can also consider taking out a personal loan, though you likely won’t find as favorable rates and terms since your loan won’t be secured by your car.

If you’re looking for the fastest way to get behind the wheel of a new Audi, then financing through an authorized dealer might be your best bet. This can be especially handy if you already know what model and accessories you want, since you can negotiate your car price and loan interest rate all at the same time. Audi offers two financing options:

  • Financing through Audi Financial Services. Audi offers financing through its authorized dealers so you don’t need to go through a bank or other lender. In the past, it offered cashback deals of up to $1,000.*
  • Leasing through Audi Financial Services. Leasing tends to come with lower monthly payments, but you won’t own the car at the end — unless you choose to buy it. Past three-year leasing offers ranged from $315 to $629 a month with between $2,999 and $5,614 due at signing.*

You might find additional deals depending on the dealership and where you live. The rates and terms you qualify for will vary based on your creditworthiness and personal finances.

*Rates as of November 16, 2018.

Compare car loans

Updated June 27th, 2019
Name Product Filter Values Minimum Credit Score Loan Term Requirements
300
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
600
Varies by lender
Fair to excellent credit, an income source, US citizen or permanent resident, 18+ years old
Find an offer and get rates from competing lenders without affecting your credit score.
300
Varies by lender
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Good to excellent credit
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Fair or better credit
From 2 years
Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
Lower your monthly car payments and save on interest through a fast and easy online application process.
510
Varies
Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
Connect with a network of over 150 lenders to refinance your car loan.
Good to excellent credit
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.

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Does Audi offer special discounts or programs?

Audi has a few special programs available to servicemembers, diplomats, first-time buyers and more. Unfortunately, it doesn’t discuss the exact savings you might be eligible for, so you’ll have to visit your local Audi dealer to learn more.

  • Military sales and expatriate program. Active-duty servicemembers, Department of Defense employees and foreign expatriates may qualify for this program that comes with special offers and a 100% money-back guarantee if you’re not happy with your purchase. And best of all? Your Audi can be delivered anywhere in Europe or to an authorized dealer in the US.
  • Diplomat program. Members of the diplomatic community can purchase an Audi while still overseas and have it delivered once you arrive in the US.
  • College graduate program. Recent college graduates may be eligible for special discounts and rates for new or certified pre-owned vehicles from Audi. This program doesn’t require you to have a credit history or cosigner.
  • First-time buyer program. If you’ve never borrowed a car loan before and your credit is in good standing, then this program may be for you. To qualify, you need to have held a full-time job for at least a year.
  • Foreign business professionals program. Professionals visiting the US are eligible to buy or lease an Audi at a competitive rate. You must be working in the US or have a US employment visa with a gross income of at least $45,000 a year to qualify.
  • Corporate sales program. Audi’s special buying program for business owners who want to outfit their team in luxury.

What will a new Audi cost me?

With luxury at the forefront of design, a new Audi comes with a hefty price tag — the cheapest models don’t dip below $41,500. This doesn’t mean that’s how much you’ll pay, though. Depending on where you live and your negotiation skills, you may be able to cut a chunk off of the manufacturer suggested retail price (MSRP).

Choose a model

The A line

A3

  • Starting MSRP: $ 33,300
  • Build: Sedan
  • City/highway MPG: 22/30

A4

  • Starting MSRP: $ 39,200
  • Build: Sedan
  • City/highway MPG: 23/34

A5

  • Starting MSRP: $ 44,200
  • Build: Sportback
  • City/highway MPG: 23/34

A6

  • Starting MSRP: $ 58,900
  • Build: Sedan
  • City/highway MPG: Not available

A7

  • Starting MSRP: $ 68,000
  • Build: Sportback
  • City/highway MPG: Not available

A8

  • Starting MSRP: $ 86,450
  • Build: Sedan
  • City/highway MPG: Not available

The Q line

Q3

  • Starting MSRP: $ 34,700
  • Build: SUV
  • City/highway MPG: 19/27

Q5

  • Starting MSRP: $ 42,950
  • Build: SUV
  • City/highway MPG: 22/27

Q7

  • Starting MSRP: $ 53,550
  • Build: SAV
  • City/highway MPG: 19/25

Q8

  • Starting MSRP: $ 67,400
  • Build: SUV
  • City/highway MPG: 17/22

e-tron

  • Starting MSRP: $ 74,800
  • Build: SUV
  • City/highway MPG: 204 EPA-estimated

The TT and R

TT

  • Starting MSRP: $ 44,900
  • Build: Coupe
  • City/highway MPG: 23/31

R8

  • Starting MSRP: $ 169,900
  • Build: Coupe
  • City/highway MPG: Not available

Average insurance costs for driving an Audi

Does a new Audi come with a warranty?

Yes, Audi offers a simple four-year, 50,000-mile limited warranty on its new vehicles. Your first scheduled maintenance — at 10,000 miles or 12 months — is also covered. Plus, you’ll have access to roadside assistance for four years as well.

If you opt for a certified pre-owned vehicle instead, Audi also has a limited warranty. There’s no mileage limitation, but the exact length of your warranty will depend on how old the vehicle is when you buy it. If the original new vehicle limited warranty is in place, then the CPO limited warranty is good for five years from the vehicle’s original in-service date. If it’s already expired, then coverage will continue for 12 months after your purchase.

Bottom line

Audi is the epitome of luxury, and its costs reflect this. Luckily, you have plenty of financing options available depending on whether speed or affordability is your main concern. While a car loan from a bank or online lender typically comes with lower rates, you can likely get behind the wheel faster if you finance through an authorized dealer.

Check out our guide to car loans to learn more about how they work and compare lenders.

Frequently asked questions

Pictures: Audi official page

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