Business Finance

Your success is our success


Whether you're a sole trader or large company, business vehicle finance with Volkswagen Financial Services is easy. We'll help tailor your vehicle finance to suit your needs so the best business outcome is achieved at a competitive price.


Flexible business options

Volkswagen Financial Services Australia has a range of tax-effective solutions to help with your business: Chattel Mortgage and Finance Lease. See the below table to see what's included.

  Chattel Mortgage Finance Lease
Deposit X  
Residual or balloon payment at the end of the term X X
Tax-deductible repayments   X
Tax-deductible depreciation X  
Tax-deductible interest X  
GST is payable on the cost of the asset X  
GST is payable on the repayments   X


  • No annual charges or account keeping fees.

  • Option to bundle your registration, Compulsory Third Party insurance (CTP), comprehensive insurance and on-road costs with your monthly payments.

  • Monthly repayments reduced by adding a balloon payment at the end of your loan or paying a deposit.

  • Flexible payment options that suit your business cash flow: weekly, fortnightly or monthly by direct debit or BPAY.

Guaranteed Future Value


Fortunately, there are still some guarantees in life. Guaranteed Future Value^ is a flexible finance solution that provides you with the assurance of knowing exactly what the minimum value of your vehicle will be down the track. At the end of your loan, you have the option to trade in, retain or return your vehicle. The choice really is yours.


  • Peace of mind knowing the minimum future value^ of your vehicle right from the start 

  • You have three options at the end of your Guaranteed Future Value contract

  • A personally tailored finance solution, based on the term and kilometre usage of your vehicle 

  • Upgrade your vehicle to the latest model more often, enjoying the best innovations and technologies

How It Works:

  1. Choose your favourite vehicle model and enjoy peace of mind knowing its minimum future value
  2. Select an eligible# loan term and an annual kilometre allowance
  3. Choose one of three end of term options: trade in, retain or return.


End of Term Options are:

What you choose at the end of your loan is up to you.


Trade in

You can trade in your vehicle for a new one at the dealership. In the event that the trade-in value is higher than the Guaranteed Future Value^, you can use the equity towards your new vehicle.


If you want to keep your vehicle, simply let us know. If you've met the relevant payment obligations under your contract, you can purchase your vehicle outright for the Guaranteed Future Value^.


You can choose to return your vehicle at the end of the term if the vehicle meets the agreed kilometre and Fair Wear and Tear requirements.

For more information, visit your chosen car brand below.


Maintaining your vehicle

We understand that you will want to keep your vehicle in premium condition. To ensure the integrity of the Guaranteed Future Value Program^, your vehicle must be in acceptable condition when you return it to us and must not exceed the kilometre limit as every kilometre over your limit is charged at 66 cents per kilometre. We also understand that some reasonable wear and tear is only to be expected, but it needs to remain within the provisions set by your Volkswagen Financial Services Australia contract. If you exceed your nominated kilometre allowance, it will reduce your Guaranteed Future Value. However this won’t affect your ability to Trade in, Retain or Return your vehicle.

For more information on Guaranteed Future value, visit your chosen car brand below.



^Guaranteed Future Value consists of an option to return your vehicle to Volkswagen Financial Services Australia (VWFSA) at the end of the term and requires VWFSA to purchase the vehicle at an agreed price determined by VWFSA, known as the Guaranteed Future Value (GFV). #Eligible loan terms include 12-60 months and are subject to change, ask dealer for more information. 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 VWFSA 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.

Fleet options

Tailored solutions to drive your business forward.

Whatever the size or industry of your business, we have the most extensive range of vehicles in Australia to help you pick the perfect solution.

Locate your new car

Found the finance product for you? Now find the perfect car.

Click on your favourite brand below

Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344.

View the Target Market Determination for our Financial Services products here