Compare Volkswagen finance rates & car loan options

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  • Finance a new or used Volkswagen
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Volkswagen Amarok steering wheel
Volkswagen Amarok steering wheel

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Volkswagen finance options at a glance

  • Finance for a Volkswagen Golf, Polo, T-Roc, Amarok, and more
  • Secured and unsecured car loans
  • Volkswagen novated lease
  • Business car loan & finance lease
  • Borrow up to $150,000
  • Fixed or variable interest rate
  • Loan terms from 1 - 7 years
  • Flexible repayment options
  • Pre-approval available with select lenders

Volkswagen finance Australia: What you need to know

Getting finance for a Volkswagen is fairly straightforward. There are two main options. You can apply for a loan directly through the dealership with Volkswagen Financial Services Australia, or you can get a car loan from a bank or lender.

There may also be a third option — a novated lease under a salary sacrifice arrangement whereby you make your car loan repayments from your pre-tax salary through your employer. Not all jobs or businesses offer this benefit.

Choosing the right vehicle finance option for your financial situation is just as important as choosing the right car. Ultimately, you’ll want the best deal on both. That means finding a competitive price and interest rate.

The interest rate is typically expressed as an annual percentage rate (APR). A lower rate will reduce your monthly repayments and the total amount owing over the full loan term. Keep in mind that even a percentage point difference in your car loan interest rate can mean spending significantly more, especially if you’re buying a top-of-the-range Volkswagen model.

Volkswagen finance rates compared

Estimated vehicle costMonthly repayment at 6% p.a.Monthly repayment at 8% p.a.

Volkswagen Polo (70TSI Life) drive away from $30,151



Volkswagen T-Roc (110TSI Style) drive away from $39,990



Volkswagen Golf (110TSI Life) drive away from $40,990



Volkswagen Tiguan (162TSI Elegance) drive away from $60,932



Volkswagen Amarok (Style 2.0 TDI500) drive away from $75,098



Volkswagen Touareg (210TDI Elegance) drive away from $117,896



Volkswagen car loan examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs for a private buyer in NSW as of 6 July 2023 (according to Volkswagen Australia’s website). Actual car pricing may be different. Estimated repayments do not include any fees the lender may charge. Actual car loan interest rates are calculated by the lender based on your application.

How to get the best deal on Volkswagen finance

Getting the best Volkswagen finance deal means securing a loan with the lowest overall cost. That’s often the product with the lowest car loan interest rate advertised, but there are caveats to keep in mind.

To get the best Volkswagen finance deal overall, it’s important to compare options based on a few different factors:

  • Your personalised interest rate: This is the actual interest rate you’ll be paying on your Volkswagen finance, and not always the one advertised. This will be calculated by the lender based on your application — factoring in your credit score, deposit (if any) and the Volkswagen model you’re buying.

  • Volkswagen finance fees: Fees can hike up the cost of financing your car, so pay attention to costs you’ll be charged up-front like application/establishment fees, as well as ongoing fees and potential penalties for early or missed repayments.

  • The finance term: Get a shorter term on your Volkswagen finance if you can. This will reduce your interest over the life of the loan, but monthly repayments will be higher. A longer-term loan will mean smaller monthly repayments, but you’ll pay more interest over the life of the loan.

  • Repayment options: Making extra repayments on your Volkswagen finance and repaying the loan early (without penalties applying) could save you money in interest.

  • Volkswagen finance with balloon payment: Volkswagen financing has balloon payment options, which means making smaller regular repayments but paying a larger lump sum at the end of the loan (called a balloon payment). Make sure you understand the total cost when comparing options, including the balloon payment.

Volkswagen Golf

Am I eligible for Volkswagen finance?

The lending and eligibility criteria for Volkswagen car finance will vary from lender to lender. But the standard car finance requirements with a lot of providers are:

  • You must be at least 18 years of age
  • You must be an Australian citizen or permanent resident
  • You must have a regular source of income to cover the repayments
  • You meet the lender’s additional lending criteria (e.g. they will check your credit score)
Volkswagen Amarok blue

How to apply for Volkswagen finance

Here’s a quick overview of the process for applying for finance to buy a Volkswagen car:

  1. Compare tailored Volkswagen car loan quotes
  2. Choose your best deal
  3. Apply for finance with the lender
  4. Provide documents to support your application
  5. The lender will assess your application

If your application is approved, the lender will either grant you a car loan pre-approval up to an agreed amount to shop for a Volkswagen with a pre-approved budget, or final approval if you have already decided on the model you want to buy. It’s worth noting that Volkswagen dealership finance does not always offer car loan pre-approval.

Options for financing a Volkswagen

Secured or unsecured Volkswagen car finance

A secured car loan for your Volkswagen will usually be cheaper than other types of financing, such as an unsecured car loan. Secured finance is less risky for lenders because the car purchased is used as collateral — this additional security means lower interest rates. However, if you can’t repay the loan, the lender could repossess your Volkswagen and sell it to cover its costs.

Used Volkswagen finance

For borrowers looking to buy a second-hand Volkswagen, finance options will likely work slightly differently. You won’t get the very lowest car loan interest rates, which are generally only available for new cars.

Interest rates on finance for used cars are higher as they pose more risk to the lender if the value of the vehicle is not enough to secure the loan amount.

Volkswagen novated lease

A novated lease is an increasingly popular way to finance a Volkswagen. With a novated lease you can finance a new or used Volkswagen for personal use (and cover car running costs) through your employer using your pre-tax salary. This can bring significant potential tax savings for Volkswagen drivers.

You can finance Volkswagen electric models, such as those in the ID. range, with further tax savings thanks to a generous additional incentive for electric vehicle novated leases.

Volkswagen business finance options

You can get commercial finance for a Volkswagen you’re buying to use for business purposes more than 50% of the time. You could be eligible for a business car loan (also known as a chattel mortgage) which is essentially the same as a secured car loan but for a business vehicle. There are also finance lease options available for businesses that want to finance a Volkswagen that way.

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Frequently asked questions about Volkswagen finance

Yes, Volkswagen dealerships offer secured car loans and novated leases to eligible customers who want to buy a Volkswagen. However, the terms and rates available will vary depending on the individual dealer and the finance provider(s) they work with.

You should compare some Volkswagen finance options before you head to the dealership to get a better idea of the rates available and potentially negotiate a better deal.

Your lender will calculate the interest rate on your Volkswagen car loan based on your individual circumstances when assessing your application. In many cases, the actual interest rate is higher than the rate that’s advertised. Your personalised rate will be based on factors including:

  • The age of the Volkswagen car you’re buying
  • Whether the loan is secured or not
  • Your credit history and score
  • Your financial situation (e.g. your income, expenditures, debts, and assets you own)

You may still be eligible to get finance for a Volkswagen if you have bad credit, although there may be a cap on the total amount you can finance and some extra requirements for documentation. If you do need to apply for a bad credit car loan for your Volkswagen, you will also likely be charged a fairly high interest rate compared to borrowers with a good credit score.

Approval for Volkswagen finance can be on the same day or within a few business days if your application is straightforward and you have all the necessary paperwork ready. Some lenders can take longer, especially if your application is more complicated.

Car Loans guides and resources

Where to next? Read our other car loan guides to understand more about your options for financing your next car.

Written by

Megan Birot writer

Senior Finance Writer

Megan Birot

Reviewed by

Sean Callery Editor


Sean Callery


*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.