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Audi Financing

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Audi Financial Services at a glance

Best for: Those who want to buy or lease an Audi

lenderAPRLoan termsCTA
Starting APR
0.00% APR and up
Loan Terms
Up to 72 months
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Audi Financial Services (AFS) is the lending arm of the automaker. It offers rebates and low-APR deals to customers leasing or buying Audi models. Some incentives, such as 0% financing, typically require a high credit score to qualify. Other sale offers may not require customers to qualify through AFS.

How Audi Financial Services works

You could qualify for a loan with Audi for any of the automaker’s vehicles: New, used and certified pre-owned (CPO). You couldn’t use an AFS loan offer at another brand of car dealership, such as Lexus or Cadillac.

  • Apply online or in-person. You could apply to AFS online and get an approval before heading into the store.
  • Opt for a loan term of 12 to 72 months. Audi Financial offers loan terms lasting 12 months (one year) to 72 months (six years).

We always recommended that you apply to more than one auto lender and that you walk into the dealership with a preapproved auto loan so you can have better negotiating power.

Audi leasing

Leasing allows drivers to have lower monthly payments on the latest model. Plus, leasees don’t worry about repairs. Most leases last for 36 months (three years) and the Audi new-model warranty with roadside assistance lasts four years, 50,000 miles.

  • Dial in your miles. Audi lease mileage options are: 7,500, 10,000, 12,000 or 15,000 per year. Audi also allows customers to purchase extra miles at a discounted rate at the start of the lease ($0.15 per mile) and throughout the lease term ($0.20 per mile). Any leftover miles at the end of the lease will not be refunded.
  • Choose from a wide range of lease terms. On its website, Audi offers lease terms that match its loan terms, from 12 months (one year) to 72 months (six years), however Audi advertises most of its leases for 36 months (three years).

At the end of the lease, you could turn in the Audi or buy it. The automaker waives the lease disposition fee of $495 if you get a new Audi (purchase or lease) within 90 days. Excess miles on the odometer cost $0.25 per mile at the end of the lease.

Audi offers and incentives

Car manufacturers use their lending departments to help sell cars by offering rebates and financing deals. Deals rotate to different models based on supply and demand. Offers are usually good for a month within a ZIP code, after which they may change.

  • Low-APR financing. Audi frequently offers low-APR financing deals on its models. High credit scores are required to qualify.
  • Customer credit. These rebates can be in the thousands but must be used to reduce the amount owed on a vehicle. It is not available as cash and it may not be combinable with other deals.
  • Audi loyalty. If you or a member of your household currently owns an Audi or if you have a lease maturity, you may be able to qualify for a cash incentive up to $2,000 and waive up to three payments on a new Audi

Audi special programs

  • Military program. Audi helps active duty military, civilian, DOD employees and the diplomatic community stationed outside of the U.S. purchase and receive new Audi vehicles.
  • College graduate program. In this program, Audi offers competitive rates and doesn’t require credit history, a cosigner or a security deposit. To qualify, you must be a U.S. citizen or permanent resident who graduated in the last 24 months (or will graduate in the next six months) from an accredited U.S. or Canadian college or university and have a full-time job or a written commitment from an employer.
  • Expatriate program. Audi offers expatriates moving to the U.S. the ability to purchase, finance or lease an Audi before arriving in the states.
  • First-time buyer program. If you have never financed a car before, Audi’s first-time buyer program could help you to get a car loan. The credit you do have must be positive and you must meet qualification metrics; your payment may not exceed 18% of your gross monthly income for example.
  • Courtesy program. Audi dealers sell their fleet models used as service loaners at a discount on a rotating basis.

Pros and cons of Audi Financial Services

Pros Cons
Low APR. If you qualify, Audi offers several types of low APR deals. Audi dealerships only. An AFS loan offer is only good at Audi dealerships.
Convenience. Audi offers an easy online application. Financing offers depend on car models. A low-APR offer may not be available on the model you want.

Alternatives to Audi Financial Services

Lender Audi Financial Services Bank Of America LightStream
APR 0.00% 4.99% 5.99% (with AutoPay)
Terms (months) up to 72 48–72 24–84*


Bank Of America

Bank of America offers new, used, private purchase, lease buyout and refinance car loans, and doesn’t advertise a minimum credit score requirement. As a national bank, BoA can provide the convenience of a one-stop shop for banking, investing and lending.


LightStream is the online division of Truist, which formed from the merger of BB&T and SunTrust Bank. It offers unsecured car loans, meaning there are no restrictions on the vehicle you purchase. If you have good credit or better, a LightStream preapproval may be worth taking with you to the dealership when you go shopping. (*Payment example: Monthly payments for a $10,000 loan at 3.99% APR with a term of 3 years would result in 36 monthly payments of $295.20.)


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