Brand Finance
Audi Finance
Premium German finance
About Audi Finance
Audi is one of the UK's leading premium automotive brands, securing third place in 2024 with a 6.3% market share and over 122,000 registrations. Its captive finance arm operates as Audi Financial Services, a trading name of Volkswagen Financial Services (UK) Limited (VWFS). Buyers typically finance through the dealership network using the Solutions Personal Contract Plan (PCP) or Hire Purchase (HP). Solutions PCP defers a significant portion of the cost to a Guaranteed Minimum Future Value balloon payment, keeping monthly payments lower than outright purchase. One in five new Audis sold in the UK is now a battery electric vehicle. Customers frequently benefit from manufacturer deposit contributions and subsidised interest rates on new and approved used vehicles.
Finance Facts
| Finance provider | Volkswagen Financial Services (UK) Limited (Volkswagen Group) |
| Products |
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| Representative APR | 5.9% – 7.9%
(typical 7.9%, as of 2025-01) 5.9% APR for Q4 e-tron; 7.9% APR for A3 Sportback TFSI e and A5 Saloon e-hybrid. |
| Term range | 18 – 49 months |
APR Comparison
How Audi’s representative APR compares to UK personal loans (BoE) and the broker market average.
Audi's representative APR ranges from 5.9% to 7.9% depending on the model. While competitive within manufacturer captive finance, it remains higher than the broker market average of roughly 3.95% (Carwow) and UK personal loans averaging around 4.1% (BoE series IUMBV48). Buyers should weigh Audi's deposit contributions and convenience against lower rates available through independent lenders.
Customer Sentiment
Common positives
- + Helpful and knowledgeable staff
- + Seamless and straightforward finance process
Common complaints
- − Poor communication during delays
- − Issues with online document signing
Data as of 2026-04-11
Regulatory Notes
- 2024: The FCA fined Volkswagen Financial Services (UK) Limited £5.4m and ordered over £21.5m in customer redress for failing to properly support borrowers in financial difficulty between 2017 and 2023. [source]
Calculate Your Audi Finance
Run any Audi price through all three finance modes. See monthly payment, total payable, and total cost of credit side by side.
Your details
PCP result
Total Amount Payable
£29,386.98
This is the total that leaves your account — deposit + all payments + balloon