Personal Finance

Tailored for you

Whether you’re looking for a Consumer Loan to help you purchase your new car outright, or a Novated Lease through your salary package, we can help you find a personal finance solution that fits your budget and lifestyle. There's a finance solution for everyone. We're here to help pick the best option for you.

Please read the Target Market Determinations (TMD) document for our Financial Services products. 

This document ‘Target Market Determination’ describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers.

For more information visit the Target Market Determinations page.

Consumer Loan
Personalise your payments

A Consumer Loan is a fast and affordable way to purchase a new or used car for personal use

You can personalise your Consumer Loan by choosing a term, paying a deposit or tailoring your repayments to suit your lifestyle. With 100% finance for approved customers there’s nothing to pay upfront, and our competitive fixed rate means you can budget with confidence.



  • No annual charges or account keeping fees
  • Flexible loan term of up to 7 years
  • Option to add a deposit or balloon payment at the end of your loan to reduce your monthly repayments
  • Save money with a competitive fixed interest rate
  • No additional security is needed for approved applicants.

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. At the end of your term, choose one of three end of term options: Trade in, Retain or Return.


End of Term Options:

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.

Novated Lease

A Novated Lease allows you to make the most of your salary package so you can own your new car sooner.

It’s simply an agreement between you, your employer and Volkswagen Financial Services Australia. We lease the vehicle to you, and your employer makes payments from your pre-tax income for an agreed length of time. It could save you thousands compared to buying a vehicle after tax.



  • Save money by paying for your new vehicle from your pre-tax income

  • No annual charges or account keeping fees

  • Flexible loan term of up to 5 years

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

  • Employers could attract and keep talented staff with cost effective finance and tax deductible repayments.


How It Works:

When your Novated Lease ends, you have the option to upgrade to the latest model with a new Novated Lease or make an offer to purchase it. Remember that if you leave your job, you will need to take over the Lease.

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