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Compare Volkswagen car loans and financing options

Find Volkswagen car loan options from a wide range of Australian lenders. Compare interest rates, repayments, fees and more to find a Volkswagen finance option that best suits your needs.

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Mark Bristow

Updated on

23 Nov, 2024

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Have you got your eye on a new Volkswagen and want to know what your financing options are? Much like Volkswagen's wide range of vehicles, there are plenty of car loan products on the market, making it easier to find one to suit your individual needs.

What car models are offered by Volkswagen?

Volkswagen is one of Australia’s 10 most popular car brands. The German manufacturer produces affordable, mid-range and luxury vehicles, which tend to be slightly more upmarket than comparable models from other brands.

Volkswagen offers a wide range of vehicles, from hatchbacks, sedans and pick-ups to station wagons, SUVs and vans.

Popular Volkswagen vehicles include:

Polo 70TSI Trendline ($19,290) - a hatchback with five-speed manual transmission and a 1.0L engine
Golf 110TSI Golf ($29,350) - a hatchback with six-speed manual transmission and a 1.4L engine
T-Cross 85TSI Life ($28,390) - a small SUV with seven-speed DSG transmission and a 1.0L engine
Tiguan 110TSI Life ($47,382) - an SUV with six-speed DSG transmission and a 1.4L engine
Passat 140TSI Business ($46,590) - a sedan with seven-speed DSG transmission and a 2.0L engine
Passat Wagon 162TSI Elegance ($53,790) - a station wagon with six-speed DSG transmission and a 2.0L engine
Amarok V6 Core ($49,590) - a 4WD with six-speed manual transmission and a 3.0L engine

Keep in mind, the prices listed are the manufacturer's recommended retail price (MRRP) and do not include on-road costs. Prices may vary between dealerships and locations.

Volkswagen also offers finance, insurance, servicing and roadside assistance. New vehicles come with a three-year warranty, while there is also a three-year paint warranty – both with unlimited kilometres.

Vehicle information and pricing last updated in February 2019

How can I get a Volkswagen car loan?

Volkswagen's own dealer finance offering, Volkswagen Financial Services Australia, provides car finance options for customers, including secured car loans and novated leases. It also offers a Guaranteed Future Value Program in which customers can choose to trade in, retain, or return their vehicle at the end of a one to four year term.

While it can be tempting to simply sign up for finance at the dealership after a successful test drive, buyers who shop around are likely to find better value Volkswagen car loans, given the number of car loan providers in Australia.

RateCity's car loan comparison tables allow borrowers to compare Volkswagen car loans by advertised rate, comparison rate, upfront fees and loan features.

How do I compare Volkswagen finance?

There are a number of features that are important to consider when comparing car loans, including the following:

Interest rates - Comparing interest rates is a reasonable first step to take when shopping for car loans. Just be sure to also factor in fees when you're comparing, as some low interest loans may have higher fees attached.

Loan term - The length of the loan term is the amount of time you will have to repay the borrow amount plus any fees and interest charges payable.

Features - Different loan products offer different features, such as a redraw facility, unlimited extra repayments, or the option to make weekly or fortnightly payments instead of monthly payments.

Fees - Some lenders may only charge fees for special features such as redrawing or repaying the loan early, while others may also have ongoing monthly fees.

Secured vs unsecured - Secured car loans are typically reserved for new cars, or cars that are only several years old. Older cars may not be eligible for a secured car loan, but the maximum age of the car can differ between dealers.

Balloon payment -A balloon payment is a predetermined lump sum that may be payable at the end of a typically shorter loan term.

Novated leasing - If you're looking for an alternative to a standard car loan, a novated lease, which is paid for out of your pre-tax income, may be worth considering.

Business car loans - If you are a business owner, and intend to use your new Volkswagen primarily for business purposes, some other options you could consider include a commercial hire purchase or a chattel mortgage.

How much can I borrow to finance my Volkswagen?

If you know which Volkswagen model you want to buy, chances are you'll already have a good idea of how much you need to borrow. The next step is to ensure you're able to afford the repayments on your car loan.

RateCity's car loan calculator can provide you with an estimate of your monthly repayments according to your preferred loan amount, interest rate and loan term. Once you have a rough idea of how much your repayments could be, calculate whether they fit comfortably within your budget.

Like any personal finance product, it's important to read the eligibility criteria, the product disclosure statement, and any disclaimers that may apply before submitting an application for your preferred car finance product.

Georgia Brown

Personal Finance Editor

Georgia Brown was a Personal Finance Editor and journalist for RateCity, covering the scope of finance in Australia over loans, credit, mortgage and housing, superannuation, and sustainable finance, to name a few. Before venturing into personal finance, she worked as a reporter for Smart Property Investment, Real Estate Business, and REA's realestate.com.au, and these days her work can be seen across numerous publications, including Lifehacker and RateCity.

This article was reviewed by Personal Finance Editor Mark Bristow before it was published as part of RateCity's Fact Check process.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

What car models are offered by Volkswagen?

Volkswagen offers a wide range of vehicles, from hatchbacks, sedans and pick-ups to station wagons, SUVs and vans.

Popular Volkswagen vehicles include:

Polo 70TSI Trendline ($19,290) - a hatchback with five-speed manual transmission and a 1.0L engine
Golf 110TSI Golf ($29,350) - a hatchback with six-speed manual transmission and a 1.4L engine
T-Cross 85TSI Life ($28,390) - a small SUV with seven-speed DSG transmission and a 1.0L engine
Tiguan 110TSI Life ($47,382) - an SUV with six-speed DSG transmission and a 1.4L engine
Passat 140TSI Business ($46,590) - a sedan with seven-speed DSG transmission and a 2.0L engine
Passat Wagon 162TSI Elegance ($53,790) - a station wagon with six-speed DSG transmission and a 2.0L engine
Amarok V6 Core ($49,590) - a 4WD with six-speed manual transmission and a 3.0L engine

Keep in mind, the prices listed are the manufacturer's recommended retail price (MRRP) and do not include on-road costs. Prices may vary between dealerships and locations.

Vehicle information and pricing last updated in February 2019

How can I get a Volkswagen car loan?

RateCity's car loan comparison tables allow borrowers to compare Volkswagen car loans by advertised rate, comparison rate, upfront fees and loan features.

How do I compare Volkswagen finance?

There are a number of features that are important to consider when comparing car loans, including the following:

Loan term - The length of the loan term is the amount of time you will have to repay the borrow amount plus any fees and interest charges payable.

Fees - Some lenders may only charge fees for special features such as redrawing or repaying the loan early, while others may also have ongoing monthly fees.

Balloon payment -A balloon payment is a predetermined lump sum that may be payable at the end of a typically shorter loan term.

Novated leasing - If you're looking for an alternative to a standard car loan, a novated lease, which is paid for out of your pre-tax income, may be worth considering.

How much can I borrow to finance my Volkswagen?

Compare Volkswagen car loans and financing options

Providers we compare

On this page

What car models are offered by Volkswagen?

How can I get a Volkswagen car loan?

How do I compare Volkswagen finance?

How much can I borrow to finance my Volkswagen?

Share this page

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Did you find this page helpful?

On this page

What car models are offered by Volkswagen?

How can I get a Volkswagen car loan?

How do I compare Volkswagen finance?

How much can I borrow to finance my Volkswagen?

Share this page

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