Audi Financing: What To Know Before You Buy
Since Audi is an expensive luxury brand, many buyers end up financing their new or used cars. One option is Audi’s own lending arm — Audi Financial Services (AFS).
Audi financing rates aren’t always the lowest, although AFS sometimes offers rebates and incentives, including low-interest deals that can be very competitive. AFS is also more convenient for Audi buyers, since everything is handled at the dealership.
If you do consider AFS for your Audi financing, make sure the rate you’re quoted is reasonable, based on your credit score. Check this by using the tables further down on this page.
How do your Audi payments compare to the average?
We analyzed data from trusted sources like Edmunds and Experian to estimate average Audi monthly payments based on credit score.
Here’s how to use our study to help you shop for a good deal on an Audi loan.
- Check your credit. You’ll need to know your credit score to use our study. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Find your credit score and Audi model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Audi payments.
Estimated average monthly payments for new Audis
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 Audi A3 | $38,200 | $628.47 | $567.20 | $535.71 | $567.74 |
| 2025 Audi Q3 | $39,800 | $660.20 | $595.83 | $562.76 | $596.41 |
| 2025 Audi A6 | $58,100 | $1,023.14 | $923.38 | $872.13 | $924.27 |
| 2025 Audi Q5 | $52,200 | $906.13 | $817.78 | $772.39 | $818.57 |
| 2025 Audi Q8 | $74,400 | $1,346.41 | $1,215.13 | $1,147.69 | $1,216.30 |
Estimated average monthly payments for used Audis
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2019 Audi A3 | $15,047 | $209.36 | $181.36 | $160.96 | $155.47 |
| 2019 Audi Q3 | $18,485 | $293.68 | $254.40 | $225.79 | $218.08 |
| 2019 Audi A6 | $19,787 | $325.61 | $282.07 | $250.34 | $241.79 |
| 2019 Audi Q5 | $19,106 | $308.91 | $267.60 | $237.50 | $229.39 |
| 2019 Audi Q8 | $27,444 | $513.41 | $444.75 | $394.73 | $381.25 |
Compare auto loan rates from top lenders in minutes
Audi finance options
You have many choices when it comes to funding your Audi, including special AFS offers, banks, credit unions, online lenders and others. Keep these options in mind as you decide how to pay for your Audi.
Audi Financial Services
AFS is offering a low APR or incentive deal that no other lender can beat.
Major car manufacturers like Audi offer their own auto financing because it’s another way they make money. It can also be very convenient for buyers.
Manufacturer financing companies like Audi Financial Services (AFS) rarely offer the same rate for every car. The year and model of the car, the season you’re buying the car and even your ZIP code can all affect the interest rate you’ll pay on a car, although credit score is still the most important factor.
Audi Financial Services doesn’t allow you to prequalify for a car loan on its website, so you’ll need to visit your local Audi dealer to check your rates.
Audi doesn’t specify the credit score you need to buy a car, but it’s typically harder to get a car loan if your credit score is below 660.
Automakers like Audi don’t always offer the best financing rates, but they sometimes have excellent deals through special programs and incentives, such as 0% financing, cash back or discounts for certain groups. Here are some of Audi’s current incentives:
College Graduate Program
Audi financing has a program for those who graduated from an accredited U.S. or Canadian college or university within the past 24 months.
If you’re a U.S. citizen or permanent resident with a job (or written job offer) — and if your monthly payment won’t exceed 25% of your income — then Audi may waive requirements for a credit history, a cosigner or a security deposit for a lease.
First-Time Buyer Program
If you’re a new buyer and you’ve lived in a dealer’s area for at least one year, you might qualify for the First-Time Buyer Program. You don’t need a credit history, but if you have one, it must be in good standing.
You’ll need to show proof of income and residency, as well as two complete personal references who Audi can contact, including at least one relative.
Foreign Business Professionals Program
If you’re working in the U.S. on an employment visa and you have verifiable income of at least $45,000 per year, you may qualify for the Foreign Business Professionals Program.
You’ll need contact information for you and your employer, proof of income and residence, a copy of your visa and two personal references who Audi can contact.
Expatriate Program
Working via International AutoSource, foreign expatriates moving to the U.S. can purchase or lease an Audi before they arrive in America.
Military Sales Program
Audi works with Military AutoSource to provide new Audi vehicles to active-duty military, Defense Department employees and others based outside of the U.S. Cars can be delivered either overseas in Europe or in North America.
Bank and credit union auto loans
You have a longstanding relationship with a financial institution.
Banks and credit unions may offer low Audi rates, especially when they include a relationship discount or an autopay discount.
A drawback, however, is that going through a bank or credit union involves an extra step. You’ll first get preapproved for an auto loan with your bank or credit union, and then you’ll take this financing offer to the dealership.
However, you can often apply for these loans easily online, and many banks and credit unions will even offer a loan discount of 0.25% if you set up automatic payments.
Online auto loans
Comparing offers from different lenders with one application.
If you look for an Audi auto loan with LendingTree’s online marketplace, you can get offers from up to five lenders at a time. This makes it easier for you to compare offers and find your best rate.
In-house financing
Those with limited financing options due to their poor credit.
Also known as “buy here, pay here,” in-house financing doesn’t refer to getting a loan through an auto company’s finance arm, like AFS. Instead, it means you’re asking the dealer to finance your purchase directly.
If you go this route, expect to pay a very high interest rate. It’s an option mostly for customers who have struggled to get more traditional financing.
In-house financing has many downsides. The main advantage is that getting approval is usually pretty easy, even with poor or nonexistent credit. This is because the high APR will compensate for the risk the lender is taking.
It may be hard to find an Audi dealership that will offer in-house financing, but it’s usually available at used-car lots.
How we calculated average monthly Audi payments
To calculate average monthly Audi payments, we found estimated starting MSRPs and the fair purchase price for some of Audi’s most popular models.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,511 in Q1 2025. For used vehicles, it was $4,078. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Audi payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q1 2025. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, zip code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
Average APRs and loan terms for new car purchases in Q1 2025
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.22% | 9.83% | 6.70% | 5.18% |
| Average loan term | 73.89 months | 74.76 months | 71.87 months | 64.25 months |
Average APRs and loan terms for used car purchases in Q1 2025
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.99% | 13.74% | 9.06% | 6.82% |
| Average loan term | 66.07 months | 68.19 months | 68.49 months | 65.65 months |
Frequently asked questions
As of this writing, Audi isn’t offering 0.00% financing on a national basis. That said, Audi has offered 0% APR deals in the past, so if you’re patient, you may find a similar rate in the future.
You can also check with your local dealership, since individual dealers often offer special incentives or APR deals of their own.
Yes, you can get approved for Audi financing, even with bad credit. But bad credit car loans usually come with high rates, making them more expensive.
As of this writing, Audi finance interest rates start at 2.99%. Keep an eye out for the latest Audi deals on Audi’s offers page.
Get auto loan offers from up to 5 lenders in minutes