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Compare Volkswagen Finance Rates & Car Loans

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Volkswagen finance

Volkswagen financing in Australia

If you’re looking to purchase a Volkswagen, getting finance is fairly straightforward. The iconic brand from Wolfsburg, Germany, sold more than 24,000 vehicles in Australia last year.

Renowned for its dynamic performance and precision engineering, Volkswagen’s Australian lineup includes the ever-popular Golf hatchback, the spacious and versatile Tiguan Allspace SUV, and the rugged Amarok ute. With plans to further expand its market presence and boost sales across its entire range, Volkswagen offers a diverse selection of vehicles to suit various lifestyles and driving needs.

When purchasing a VW, selecting the right finance option is just as important as choosing the right car. The goal is to ensure you secure the best deal possible, considering both the vehicle's price and the terms of the finance. This means finding a competitive interest rate and favourable finance conditions that align with your needs and budget.

Volkswagen finance options at a glance

  • Finance for a Volkswagen Golf, Polo, T-Roc, Tiguan, 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 rates compared

Compare car loan interest rates for a range of VW models to see your estimated monthly repayments.

Volkswagen model

Polo (Life)

Estimated cost

$29,490

Monthly repayment at 6% p.a.

$570

Monthly repayment at 8% p.a.

$598

Monthly repayments at 10% p.a.

$627

Volkswagen model

T-Cross (85TFI Life)

Estimated cost

$33,990

Monthly repayment at 6% p.a.

$657

Monthly repayment at 8% p.a.

$689

Monthly repayments at 10% p.a.

$722

Volkswagen model

T-Roc (TSI110 Citylife)

Estimated cost

$36,990

Monthly repayment at 6% p.a.

$715

Monthly repayment at 8% p.a.

$750

Monthly repayments at 10% p.a.

$786

Volkswagen model

Golf (Life)

Estimated cost

$38,690

Monthly repayment at 6% p.a.

$748

Monthly repayment at 8% p.a.

$784

Monthly repayments at 10% p.a.

$822

Volkswagen model

Tiguan (110TSI LIfe)

Estimated cost

$43,990

Monthly repayment at 6% p.a.

$850

Monthly repayment at 8% p.a.

$892

Monthly repayments at 10% p.a.

$935

Volkswagen model

Amarok (Core TDI405 4Motion)

Estimated cost

$55,490

Monthly repayment at 6% p.a.

$1,073

Monthly repayment at 8% p.a.

$1,125

Monthly repayments at 10% p.a.

$1,179

Volkswagen model

Tiguan Allspace (162TSI R-Line)

Estimated cost

$60,590

Monthly repayment at 6% p.a.

$1,171

Monthly repayment at 8% p.a.

$1,229

Monthly repayments at 10% p.a.

$1,287

Volkswagen model

Touareg (170TDI)

Estimated cost

$86,790

Monthly repayment at 6% p.a.

$1,678

Monthly repayment at 8% p.a.

$1,760

Monthly repayments at 10% p.a.

$1,844

Volkswagen modelEstimated costMonthly repayment at 6% p.a.Monthly repayment at 8% p.a.Monthly repayments at 10% p.a.

Polo (Life)

$29,490

$570

$598

$627

T-Cross (85TFI Life)

$33,990

$657

$689

$722

T-Roc (TSI110 Citylife)

$36,990

$715

$750

$786

Golf (Life)

$38,690

$748

$784

$822

Tiguan (110TSI LIfe)

$43,990

$850

$892

$935

Amarok (Core TDI405 4Motion)

$55,490

$1,073

$1,125

$1,179

Tiguan Allspace (162TSI R-Line)

$60,590

$1,171

$1,229

$1,287

Touareg (170TDI)

$86,790

$1,678

$1,760

$1,844

Volkswagen car loan repayment examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs as at March 2025. Estimated repayments do not include any fees the lender may charge.

Types of VW finance options available

1

Secured loan

A popular option is a secured car loan, where the Volkswagen you buy is used as security for the loan, which helps lower the lender’s risk. The flipside is if you happen to default, the lender can take ownership and sell the car to recover the debt. Loan terms typically range from 1 to 7 years, with the choice of either fixed or variable interest rates.

2

Unsecured loan

An unsecured personal loan is similar to a car loan, but without needing your Volkswagen to be used as security. Since there's no asset backing the loan, lenders usually charge higher interest rates to cover the extra risk. Other than that, unsecured loans work pretty much the same way as car loans.

3

Novated lease

If your employer offers it, you can finance a Volkswagen for personal use through a novated lease. There are some great tax benefits with a novated lease compared to a regular car loan. It lets you pay for your VW and its running costs (like fuel, car insurance, etc.) using your pre-tax salary. Plus, you’ll get a GST discount on the car’s price and ongoing expenses. That said, it’s important to weigh the pros and cons of novated leasing before making your decision.

4

Finance lease

If you’d prefer the flexibility of not owning your Volkswagen right away, a finance lease could be a good option. With a lease, you make regular payments to the lender, who buys the vehicle for you and keeps ownership during the lease term. At the end of the lease, you’ll have the option to either take out a new lease or buy the car outright.

5

Chattel mortgage

A chattel mortgage is a financing option where a business borrows money to buy the vehicle, using the Volkswagen as security for the loan. The business owns the car right away, but the lender holds a mortgage on it until the loan is fully paid off.

It allows businesses to claim GST on the vehicle’s purchase price and potentially deduct interest and depreciation costs as business expenses. It’s a great choice for businesses that want to own their Volkswagen from day one while spreading the cost over time.

6

Volkswagen green loan

If you're considering a vehicle from Volkswagen's electric range (like the ID.4 Pro or ID.5 GTX), you might be eligible for a green loan. This type of financing is offered by some lenders for eco-friendly purchases. Typically, a green loan works like a secured car loan but may come with benefits such as a lower interest rate and reduced fees.

Volkswagen dealer finance

Volkswagen dealerships offer secured car loans and novated leases to eligible customers who want to buy a VW, whether it’s for personal or business use. The specific terms and rates available may vary depending on the dealer and the lenders they partner with, so it’s important to shop around and compare offers.

Like other car manufacturers offering dealer finance, Volkswagen gives you the option to trade in the vehicle, keep it or return it. 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.

According to its website, Volkswagen offers online pre-approvals, which can give you an idea of your eligibility before you visit the dealership. However, it’s a good idea to compare your finance options ahead of time. Doing so will help you better understand the available rates and may lead to a more competitive deal.

How to get the best VW finance deal

Getting the best Volkswagen finance deal means finding a loan with the lowest overall cost. While the car loan with the lowest advertised interest rate may seem like the best option, there are a few important factors to consider. To ensure you’re getting the best deal, it’s essential to compare your options based on several key factors:

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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.

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Fees and charges

Fees can hike up the cost of financing your VW, 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.

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The finance term

Consider 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. For instance, if you finance a Volkswagen Golf (Life) priced at $38,690, with an interest rate of 8% p.a., you’ll pay $3,585 more in interest over a 7-year term compared to a 5-year term.

coins-hand

Repayment options

Making extra repayments on your VW finance and paying off the loan early (without penalties) could help you save money on interest. Additionally, it’s worth checking if the loan offers flexible repayment options, such as weekly, fortnightly or monthly payments, so you can choose the schedule that best fits your budget.

Eligibility 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)

How to apply for Volkswagen finance

Volkswagen Polo 2021 Review

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

  • Compare tailored Volkswagen car loan quotes
  • Choose your best deal or use a car loan broker if you don’t want to go it alone
  • Apply for finance with the lender
  • Provide documents to support your application
  • 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.

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FAQs about Volkswagen finance

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:

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  • The age of the Volkswagen car you’re buying
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  • Whether the loan is secured or not
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  • Your credit history and score
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  • 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.

Jared Mullane is a finance writer with more than eight years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, home loans, personal finance and insurance. Jared is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821).

Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.

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