How to finance an Audi

Audi is a brand that has marketed its cars to exude class, luxury and confidence. It has a wide range of sleek vehicle types, along with a logo you know and love displayed on the hood. Audi has also expanded its range to include small cars and sedans. Read on to learn about the financing options available for your new Audi.

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What are my Audi finance options?

It may be cheaper to get a loan from a bank, credit union or online lender, however, this can also be time-consuming. Financing through an Audi dealership can get you behind the wheel faster, but may result in higher interest rates. If your credit score is good, however, you may be able to leverage multiple competitive loan offers to land a better deal from your dealership.

Audi Financial Services

• Financing. Audi offers financing through its authorized dealers so you don’t need to go through a bank or other lender. Loan terms range from 12-48 months and there are no penalties for early repayment.
• Leasing. Leasing tends to come with lower monthly payments, but you won’t own the car at the end — unless you choose to buy it. Leases come with either 20,000 or 25,000 kilometres a year (more mileage can be purchased upfront for a discount). Terms range from 12-60 months.
• Audi Select. Make lower payments over the term of your loan and pay it off in one, larger balloon payment once the term expires. If you can’t pay it off at that time, you can refinance the loan. There are no administrative fees for repaying the loan early.

Other Audi finance options

• Car loan from a private lender. Private lenders will use the car you want to buy as security for the loan to reduce your risk as a borrower, so you can get a competitive interest rate. Interest rates vary between lenders but often fall between 5% and 10%. Your credit history plays a big factor in determining the amount you’ll get. If your score is below 650, it may be difficult to get approval. Terms typically range from 2-8 years.
• Personal loan. Unlike car loans, you can use funds from a personal loan however you want to. Loans can either be unsecured, which doesn’t require an asset, or secured, which requires an asset and typically comes with a lower interest rate. Interest rates vary widely, often falling between 4% and 36% depending on your credit score and other factors. Terms usually range from 6 months to 7 years.
• Auto title loan. This is a personal loan that uses the title of your vehicle to secure the loan. Unlike a car loan, you can use the funds however you wish.

The rates and terms you qualify for will vary based on your credit score and personal finances.

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Canada Auto Finance		$500	4.90%-29.95%	3-96 months	300	3+ months employed, min. income of $1,500/month	Canada Auto Finance is a broker that connects borrowers with partnered local lenders. Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.	Go to site More Info	Compare	loading Fetching your data...
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Does Audi offer special discounts or programs?

Audi has several programs available to welcome returning customers and newcomers to Canada. All programs are subject to credit approval.

• 1. Loyalty Program

  • Existing Audi customers may be eligible to receive a 1.0% discount on their next lease or finance agreement for a new car. Buyers must be current Audi customers or must have financed or leased an Audi within the past 90 days. This offer only applies to new agreements – you can’t apply it to an agreement for a vehicle you already have.

• 2. Newcomer Program

  • The following options are available to buyers who are new to Canada:

  • Foreign Business Professional. This program is available for fully employed professionals on International Assignments in Canada or people who have a Canadian Professional Designation (e.g. Lawyer, Dentist, Engineer). Buyers can purchase, lease or finance a new, certified, or pre-owned (up to five years old) Audi. If leasing, buyers can enjoy a Standard Lease, which offers flexible payment options. If financing, buyers can choose the Audi Select option to own their vehicles with the convenience of a lease-like payment schedule. No down payment is required, and there is no maximum financing limit. Valid documentation is required.
  • Foreign Investor. This program is available to you if you are a permanent resident of Canada with either Investor or Entrepreneur status. Buyers can purchase, lease or finance a new, certified, or pre-owned (up to five years old) Audi. If leasing, buyers can enjoy a Standard Lease, which offers flexible payment options. If financing, buyers can choose the Audi Select option to own their vehicles with the convenience of a lease-like payment schedule. Buyers must have a minimum down payment of 20% or a Standard Security Deposit and may finance up to $125,000 (potentially more if a greater security deposit is made). Valid documentation is required.
  • Foreign Student. Foreign students registered in a full-time program at an accredited Canadian College or University are eligible for this program. Students can use a Standard Lease with flexible payment options to lease a new or certified Audi vehicle. The maximum amount financed is $75,000 and either a down payment of at least 20% or a Standard Security Deposit is required. Greater security deposit amounts may allow for a higher financing amount. Valid documentation is required.
  • Foreign Worker. If you’re a temporary resident or permanent resident of Canada who has been admitted into the country to work, then you are eligible for this program. You can use a Standard Lease with flexible payment options to lease a new or certified Audi vehicle. The maximum amount financed is $50,000 and either a down payment of at least 20% or a Standard Security Deposit is required. Valid documentation is required.

• 3. Graduate Program

  • Students who graduated within 24 months of applying for this discount may be eligible to receive a rebate of up to $500. Eligible buyers must be recent graduates from a Canadian or US university (Bachelor, Master and Doctoral), a Canadian community college with a two-year program, or a CEGEP program of 2 or 3 years (DEC), or a recognized nursing, military or police school. This program offers buyers lower and more flexible payments options as well as the opportunity to lease or finance an Audi right out of school.

• 4. Mobility Program

  • If you need to drive with assistive devices, you’re in luck. Volkswagen will contribute up to $1,000 towards the purchase and installation of lift equipment, carriers, hand controls, pedal extensions or other assistance equipment on any eligible model you purchase or lease from the company.

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 $30,000 — and the R8 has a base MSRP of $169,900.

Choose the type vehicle

SUVs and Wagons

Sedans and Sportbacks

Coupes and Convertibles

SUVs and Wagons

Q3

• Starting MSRP: $38,900
• Build: Crossover
• City/highway MPG: 19/27

Q5

• Starting MSRP: $46,300
• Build: Crossover
• City/highway MPG: 22/27

Q7

• Starting MSRP: $71,300
• Build: SUV
• City/highway MPG: 19/25

Q8

• Starting MSRP: $82,350
• Build: SUV
• City/highway MPG: 17/22

e-tron

• Starting MSRP: $90,000
• Build: SUV
• City/highway MPG: 204 EPA-estimated

Sedans and Sportbacks

A3

• Starting MSRP: $34,500
• Build: Sedan
• City/highway MPG: 22/30

A4

• Starting MSRP: $46,200
• Build: Sedan
• City/highway MPG: 23/34

A5

• Starting MSRP: $50,900
• Build: Sportback
• City/highway MPG: 23/34

A6

• Starting MSRP: $62,400
• Build: Sedan
• City/highway MPG: Not available

A7

• Starting MSRP: $78,700
• Build: Sportback
• City/highway MPG: Not available

A8

• Starting MSRP: $99,000
• Build: Sedan
• City/highway MPG: Not available

Coupes and Convertibles

TT Coupe

• Starting MSRP: $56,450
• Build: Coupe
• City/highway MPG: 23/31

R8

• Starting MSRP: $188,400
• Build: Coupe
• City/highway MPG: Not available

Does a new Audi come with a warranty?

Yes, Audi offers a New Vehicle Limited Warranty covering defects on material and workmanship for 4-years or 80,000-km, whichever comes first. The warranty also includes:

• Corrosion perforation warranty for 12 years regardless of mileage
• Emissions warranties related to federal or provincial requirements where applicable (refer to the information in your vehicle’s warranty booklet to know the extent of your coverage)
• The e-tron High-Voltage Battery and Battery Module are covered under the New Vehicle Limited Warranty for a period of 8 years or 160,000 km, whichever comes first, for defects in material and workmanship.

Besides the above benefits, your Audi will also get an extensive pre-delivery inspection before it’s given to you, and you’ll get your first maintenance service free of charge at the earlier of 1 year or 15,000 km. Audi also offers new car owners complimentary 24-hour, year-round roadside assistance, which lasts as long as the New Vehicle Limited Warranty.

If you’re particularly cautious and don’t mind purchasing extra coverage, Audi offers additional products that can cover your vehicle with regards to mechanical breakdowns, appearance, excess wear and tear (if your vehicle is leased), vehicle replacement in the event of a loss, loan protection and anti-theft protection. You can speak to an Audi After Care Specialist for more details.

Used vehicle warranty

If you opt for a certified pre-owned vehicle instead, Audi offers a different 2-year/80,000 km Certified: plus Limited Warranty that goes into effect when the New Vehicle Warranty expires. So, in total, you get some form of coverage for 6 years/160,000 km, even though the type of coverage changes when the New Vehicle Limited Warranty expires.

Bottom line

Audi is the epitome of luxury, and the prices of their vehicles 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. Whatever your choice, as an Audi driver you will still get to enjoy the extensive coverage and superior support services that this luxury brand has to offer.

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

Frequently asked questions

• What kind of lease-end deals does Audi offer?

  You have 3 options when your Audi lease is up:

  • Schedule a lease-end inspection and turn in your vehicle.
  • Lease or purchase a new or Certified Pre-Owned Audi model (visit audi.ca to configure your next vehicle and schedule a test-drive with your dealer)
  • Purchase the vehicle through Audi.

• Can I end my lease early?

  Yes. Audi allows you to turn in your leased vehicle early without any termination fees or penalties. However, you’re still responsible for remaining payments, taxes, excess kilometre fees, wear and tear fees and any other unpaid charges.

• How much should I factor in for taxes and other fees when buying an Audi?

  It depends. Because of Audi’s high price point, you should definitely calculate the sales tax before shopping for a loan so that you know exactly how much to borrow. Also note that you may have to pay anywhere from hundreds to over $1,000 to have your Audi shipped to you if you aren’t picking it up from the dealership yourself. The taxes and title registration fees vary by province, so talk to your dealership or provincial licensing organization to know exactly what costs to expect.