Volkswagen finance options
Compare the different Volkswagen finance options available in Australia.
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Key takeaways
- Compare multiple lenders - dealership finance isn't your only option and may not be the cheapest.
- Volkswagen's electric and hybrid vehicles may be eligible for government incentives - check your state rebates before applying.
- Use a car loan calculator to budget accurately - new models start from around $30,000 and top out at about $145,000.
How can you finance a Volkswagen?
Whether you're eyeing off the punchy Golf GTI or need a family-friendly Tiguan Allspace, there are several ways to finance your new VW. Volkswagen Group Australia partners with Volkswagen Financial Services to offer financing through dealerships, but you're not limited to in-house loans.
- Secured car loan. This is where the vehicle acts as collateral for the loan, meaning you'll typically get a lower interest rate. Rates in 2025 start from around 6% p.a. and go up to about 12% p.a., depending on your credit score and the lender.
- Unsecured personal loan. If you want flexibility or are buying an older VW model, an unsecured loan might work better. Interest rates are generally higher, between 8% and 17% p.a., but you can use the funds more freely.
- Dealership finance. VW dealerships offer tailored finance packages via Volkswagen Financial Services. This often includes balloon payments, fixed-rate options and terms between 12 and 84 months. Bonus: there's often special offers on demonstrator models or EVs like the ID.4.
- Novated lease. Popular with salaried employees, novated leasing allows you to pay for the vehicle with pre-tax income via your employer. This can include servicing, fuel and insurance costs bundled into a single payment.
- Chattel mortgage: Ideal for business owners, this option gives you ownership upfront while the lender places a mortgage on the vehicle. You may be able to claim GST and depreciation benefits, making it tax-efficient.
What does the 2025 Volkswagen range look like?
Volkswagen's lineup in Australia continues to offer a mix of small hatches, SUVs and electric vehicles. Drive-away pricing in mid-2025 includes:
- Volkswagen Polo Life: From $32,090 drive-away
- Volkswagen Golf Life: From $42,928 drive-away
- Volkswagen Golf GTI: From $64,157 drive-away
- Volkswagen Tiguan Life (5-seater): From $49,653 drive-away
- Volkswagen Tiguan Allspace: From $39,990 drive-away
- Volkswagen Touareg 170TDI: From $98,737 drive-away
- Volkswagen ID.4 EV: From $65,403 drive-away (varies by state with incentives)
Note that prices vary slightly depending on your location, options chosen and promotional deals available at the time of purchase.
Example case study: Sam's new family car
Sam is a Brisbane-based dad of two who's just been promoted and decides to upgrade to a Volkswagen Tiguan Allspace 162TSI R-Line, priced at $63,000 drive-away. After comparing several options, he decides on a secured car loan through a non-dealer lender offering 6.5% p.a. over five years.
With a 10% deposit ($6,300), Sam finances the remaining $56,700. His monthly repayments are approximately $1,111 and because it's a secured loan, his rate is more competitive than an unsecured option. He also negotiates a lower insurance premium by bundling with his existing home insurer.
What should you look for in a Volkswagen finance option?
- Competitive interest rate: Comparison rates give you the true cost, including fees.
- Loan term flexibility: Can you choose between 3, 5 or 7 years depending on your budget?
- Fees: Upfront and ongoing costs can impact your total repayments. Look out for application fees, monthly account fees and early exit penalties.
- Balloon payments: If you go with a dealership loan, ask if there's a balloon payment at the end of the term - and if so, how much it is.
Volkswagen finance costs to consider
- Loan setup costs: These can include establishment fees, document charges and optional insurance.
- Running costs: Servicing, fuel, insurance and tyres - VW offers a 5-year warranty and capped-price servicingf which helps you plan ahead.
- Registration & insurance: These are mandatory and should be factored into your budget.
Can I finance a Volkswagen EV like the ID.4 or ID. Buzz in Australia?
Yes, you can finance a Volkswagen EV in Australia, including upcoming models like the ID.4 and ID. Buzz. While availability may still be limited compared to petrol and diesel models, Volkswagen Australia is rolling out its electric lineup and finance options are available through both Volkswagen Financial Services and third-party lenders. You may also be eligible for government EV incentives, depending on your state or territory. These incentives may reduce the cost of ownership or make you eligible for discounted green loans with lower interest rates.
Can I get a novated lease on a Volkswagen?
Yes, most new Volkswagen models are eligible for novated leasing through your employer. This arrangement lets you package the cost of your car and its running costs into your pre-tax salary which can reduce your taxable income. Popular novated lease models include the Golf, Tiguan, Passat and Amarok. Just make sure your employer supports novated leases and compare lease providers to ensure you're getting a competitive deal. You can learn more about how it works on our novated lease guide.
What are the best finance options for small businesses buying Volkswagens?
If you're a sole trader or small business owner, Volkswagen offers commercial finance solutions like chattel mortgages or business car loans. These finance options allow you to claim GST and depreciation benefits if the vehicle is used for business purposes. Eligible models include the VW Transporter, Crafter, Caddy and Amarok. Make sure to speak with your accountant before committing, as business use and tax implications can vary.
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