Audi buyers can be looking at very different cars, from an A3 or Q3 used every day to an electric Q4 e-tron or a high-performance RS model. Audi car finance can spread the purchase cost while giving you several ways to structure your deposit, monthly payments and what happens when the agreement ends.
Enjoy Finance explains the main routes and links to third-party providers. We do not provide finance directly, and the website contains affiliate links.
How does Audi car finance work?
Audi Financial Services currently offers Solutions Personal Contract Plan, Hire Purchase and Contract Hire. The right route depends on the car, your annual mileage, the deposit you want to pay and how long you expect to keep the vehicle.
Solutions PCP currently runs from 18 to 49 months, Hire Purchase from 12 to 60 months and Contract Hire from 12 to 48 months.
Audi Solutions PCP
Audi Solutions is the brand’s PCP product. You choose a deposit, agreement length and annual mileage, then part of the car’s expected value is left until the end as an Optional Final Payment.
That deferred amount can keep the regular monthly payment lower than repaying the full vehicle value across the term. Audi currently allows annual mileage between 8,000 and 30,000 miles on Solutions PCP.
When the agreement ends, you can return the Audi subject to mileage and condition terms, pay the final amount and purchase fee to own it, or use any available equity towards another vehicle.
Read Personal Contract Purchase for more information.
Hire Purchase and Contract Hire
Hire Purchase is aimed at buyers who want to own the Audi. There is no final balloon payment or mileage limit, and the vehicle becomes yours once all required payments have been made.
Contract Hire works differently. You pay an initial rental and fixed monthly rentals, then return the Audi at the end. Mileage limits and vehicle-return standards apply.
For a wider view of funding routes, visit Car Finance.
Audi Contributions can change the real cost
A headline APR does not tell you everything about an Audi offer.
Audi regularly uses manufacturer contributions on selected models, and these can reduce the amount that needs to be funded. The value can differ sharply between cars, particularly across electric and plug-in hybrid models.
A strong Audi Contribution can change the overall cost of the agreement.
When comparing Audi car finance, look at the customer deposit, Audi Contribution, monthly payments, Optional Final Payment and total amount payable together.
Current offers change by model and order period, so use the live quotation for the exact specification you want.
Electric Audi buyers should include charging incentives
Audi’s electric range includes models such as the Q4 e-tron, Q6 e-tron, A6 e-tron and e-tron GT.
Home charging access, public charging use, annual mileage and insurance can all change what an electric Audi costs each month.
Audi currently runs incentives on qualifying new electric and plug-in hybrid cars that can include a home charger with standard installation or a reduction against the model list price. These offers are time-limited and subject to eligibility.
Compare the wider running cost with petrol or plug-in hybrid alternatives, not just the monthly finance.
Functions on Demand add another ownership cost
Audi has another feature that makes its ownership model different from many mainstream brands: Functions on Demand.
On compatible models, certain features can be activated after the car has been purchased through the myAudi system. Examples can include Matrix LED lighting, parking functions and other digital upgrades.
Some features can be activated for a month, one or two years, or for the lifetime of the vehicle.
That matters when buying or financing a used Audi because the equipment fitted to the car may not tell you which digital functions are permanently active. Check what is included and what would require an additional payment later.
An A3 finance decision is not an RS finance decision
The Audi range stretches across very different price points, so every model should not be treated the same way.
Someone looking at Audi A3 Car Finance may be comparing everyday running costs and monthly affordability. Audi Q3 Car Finance and Audi Q5 Car Finance buyers may place more weight on family space, annual mileage and future vehicle value.
Audi A5 Car Finance sits at another price point, while S and RS models can carry much higher purchase prices, insurance costs and specification values.
For a higher-value performance Audi, lender limits and how the car is valued at the end of the agreement can matter more than on an entry-level model.
Used Audi finance needs a closer look at specification
Audi’s used market is large, and two cars with the same badge can have very different specifications and values.
Before arranging Audi car finance on a used model, check its service history, mileage, MOT record, previous repairs, tyres, warranty and optional equipment. On an electric Audi, battery condition and remaining battery warranty should also be reviewed.
Approved Used Audi promotions can include finance contributions, servicing or warranty benefits at certain times. These offers vary with vehicle age and model, so compare the full package with independent funding.
Car Finance FAQs covers more common questions around deposits, rates and agreements.
Compare more than the monthly payment
Audi Solutions can suit drivers who like changing cars and want choices at the end. HP can suit someone focused on ownership, while Contract Hire is based on returning the car after a set period.
The model should shape the decision too. An electric Audi introduces charging costs and incentives, while a performance model can make residual value, insurance and lender limits more important.
When reviewing Audi car finance, compare the deposit, APR, manufacturer contribution, mileage terms, monthly payment, total amount payable and any Optional Final Payment.
Enjoy Finance provides information about vehicle funding and may link to third-party providers. Any quote, application or agreement is supplied by the relevant third party and remains subject to its affordability checks, eligibility requirements and terms.
FAQs
What is Audi Solutions PCP?
Audi Solutions is Audi Financial Services’ Personal Contract Plan. It combines a deposit and fixed monthly payments with an Optional Final Payment. At the end, you can return the car, pay the final amount to own it, or trade it in subject to the agreement terms.
Can I get Audi car finance on a used car?
Yes. Audi car finance can be available for used vehicles through PCP and Hire Purchase. The products and rates offered may depend on the vehicle’s age, mileage and value along with your financial circumstances.
Does Audi offer deposit contributions?
Audi regularly offers manufacturer contributions on selected new and Approved Used vehicles. The amount varies by model and promotion, so check how the contribution affects the total amount payable.
Can I finance an electric Audi?
Yes. Electric Audi models can be available through Solutions PCP, HP and Contract Hire. Current electric offers can also include charging-related incentives.
What are Audi Functions on Demand?
Functions on Demand allows compatible Audi models to activate certain optional features after purchase. Depending on the feature and vehicle, activation can be available for a fixed period or for the lifetime of the car.
