, 2019-10-22 00:09:34
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Vehicle Consumer Loans.

Personalise your payments.


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

You can personalise your Consumer Loan by choosing the 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 move forward with confidence.


  • Stay on top of your commitments with no annual charges or account-keeping fees to worry about. 
  • Choose a flexible loan term from up to 7 years that suits your lifestyle. 
  • Choose whether you’d like 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. 
  • Secure your loan with your new Volkswagen — no additional security is needed for approved applicants.    

How it works.


At the end of your agreement, your Volkswagen is completely yours as soon as the final payment is made. Or, if you’ve got your eye on an upgrade, you may be able to benefit from our Volkswagen Guaranteed Future Value^ Program.

^The Volkswagen Choice Program consists of an option to return the vehicle to Volkswagen Financial Services (VFS)** at the end of the term and require VFS** to purchase the vehicle at an agreed price known as the Guaranteed Future Value or GFV as determined by VFS** and set out in your contract. At the end of the term, you can elect to: (1) trade-in the vehicle; (2) exercise the option to return the vehicle; or (3) retain the vehicle by paying the GFV. The GFV is not a representation by VFS** as to the likely market value of the vehicle as at the end of your contract. The option is available on new and demonstrator Volkswagen vehicles for selected models only. Please verify with your dealership the vehicles that are eligible for the program. The GFV will be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guide available at www.volkswagen.com.au. Other terms and conditions apply. The cost of the Volkswagen Choice Program is incorporated into the applicable interest rate. Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information on this page, please seek independent financial and tax advice. Full terms and conditions are available upon application. Available only to approved applicants of VFS**. Subject to credit assessment. Standard fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available at participating Volkswagen dealers. **VFS is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460. Australian Credit Licence 389344.