Consumer Car Loan

Personalise your payments

A Consumer Loan¹ is a fast and affordable way to purchase a new or used Volkswagen for personal use.You can personalise your Consumer Loan by choosing a term, paying a deposit or tailoring your repayments to suit your lifestyle. With 100% finance for approved customers there’s nothing to pay upfront, and our competitive fixed rate means you can budget with confidence.

Your benefits

No annual charges or account keeping fees.
Flexible loan term of up to 7 years.
Option to add a deposit or balloon payment at the end of your loan to reduce your monthly repayments.
Save money with a competitive fixed interest rate.
No additional security is needed for approved applicants.

Your loan, your choice

Volkswagen Choice

Volkswagen Choice² is our Guaranteed Future Value Program that gives you the option to trade in, retain or return your car at the end of a loan term.

Explore Guaranteed Future Value

3 Simple Steps

Online finance pre-approvals without any commitments

Tip: you can also use this tool to simply calculate your repayments.

Choose and build your dream vehicle
Click to apply for finance and tailor your loan to suit your lifestyle
Submit your application and your chosen dealer will be in touch

Volkswagen

Volkswagen Choice consists of an option to return your vehicle to VFS at the end of the term and requires VFS to purchase the vehicle at an agreed price determined by VFS, known as the Guaranteed Future Value (GFV). At the end of the term, you can elect to: (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV, which is a lump sum owed to VFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Fleet, government, rental buyers, hire car and chauffeur companies excluded.
For approved applicants of Volkswagen Financial Services (VFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Volkswagen Choice consists of an option to return the vehicle to VFS at the end of the term and require VFS to purchase the vehicle at a price known as the Guaranteed Future Value (GFV) as determined by VFS. At the end of the term, you can elect to: (1) trade-in the vehicle; (2) exercise the option to return the vehicle; or (3) retain the vehicle by paying the GFV, which is a lump sum owed to VFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Available on selected new and demonstrator Volkswagen vehicles and used Volkswagen vehicles. Contact your nearest Volkswagen dealer to check eligible vehicles for this program. Fleet, government, rental buyers, hire car and chauffeur companies excluded.
Calculations are estimates provided as a guide only and not a loan approval. They assume interest rates don’t change over the life of the loan. Applications are subject to credit approval and eligibility criteria being met.