How to finance an Audi

If you've got your eye on a luxury Audi vehicle, there are several financing options to consider.

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Audi is a luxury automobile manufacturer, which is part of the Volkswagen group.

It offers several financing options for motorists who want to pay for their vehicle in instalments.

Below, we explore all of the financing options available, so you can decide which is most suitable for you.

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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 pre-qualification 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 favourable rates and terms since your loan won’t be secured by your car.

What options does Audi offer?

If you’re looking for the fastest way to get behind the wheel of a new Audi, financing through an authorised 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 three financing options:

  • Hire purchase. With this deal, you pay an initial deposit (usually 10%), then cover the rest of the cost using fixed monthly repayments. You can choose a loan term to suit you, up to 60 months. At the end of your agreement, you can pay an option-to-purchase fee and keep your Audi, or part-exchange it for a new one.
  • Lease purchase. With this deal, a portion of the car’s value is deferred until the end of your agreement, meaning your monthly repayments will be lower than with a hire purchase. You may be given the option to refinance this final payment too.
  • Solutions Personal Contract Plan (PCP). This deal is a mix between a hire purchase and a lease purchase, as you’ll pay a deposit and larger deferred final payment. At the end of your agreement, you have an option to part-exchange your car for another vehicle, pay the option-to-purchase fee and keep the car, or give it back with no further payment.

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.

What third-party options are there to finance an Audi?

  • Car finance companies. There are likely to be plenty of third-party car finance companies that’ll offer you a finance deal for your Audi. With a secured loan, you’ll use the vehicle as collateral on your loan, meaning your car will be repossessed if you fall behind on your repayments. Unsecured loans may also be available, but these tend to come with higher interest rates and less competitive terms.
  • Audi dealership finance. Audi dealerships may offer different finance deals to those explained above. Dealership staff will be able to explain the differences for you.
  • Personal loans. A personal loan could also be used to buy an Audi. You could secure a better rate by using the car as collateral or adding a guarantor. If you’re interested in an unsecured option, you likely won’t find as competitive rates as you would with a secured car loan. However, a personal loan could be particularly suitable if you’re looking to cover the cost of a new car among other expenses.

Does a new Audi come with a warranty?

All new Audis bought in the UK come with a 3-year warranty (with a 60,000-mile limit in the third year). It’s also possible to upgrade to four or five years. The warranty can be transferred with your car if you decide to sell before the warranty expires. To ensure your warranty is valid, you need to service your car with Audi-approved mechanics and stay within the mileage limitations.

When you buy an Audi Approved Used vehicle, you’ll get a two-year warranty with roadside assistance for vehicles up to five years old. There’s a one-year warranty for vehicles between five and seven years old.

Average insurance costs for driving an Audi

Frequently asked questions

The 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 authorised dealer.

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