PurchaseorLease?

Home \ Choosing Finance \ Purchase or Lease?

If you’re unsure about which type of finance arrangement will work best for your circumstances, this basic guide will explain some of the differences between buying your Audi outright in cash, buying your Audi using car finance, and leasing your Audi. If you need more information, talk to one of our expert Business Managers at your nearest Audi dealership.

It’s also worth consulting your accountant about the different tax implications of a Loan or Lease, particularly if you’re planning to buy your new Audi for business use.

Scroll

Cost

Ownership

Payments

Tax

Personalisation

Warranty

Upgrades

Options available at the end of your finance agreement

Finance options

Buying with cash

Buying with car finance

Leasing

You pay the full price of your new Audi upfront.

You can pay a deposit or borrow up to 100% of the car cost upfront, including registration, insurance and on-road costs.

There is no deposit to pay, and you can finance up to 100% of the car cost upfront, including registration, insurance and on-road costs.

You own the car outright from the date of purchase.

Under a loan agreement, you own the car.

With a Hire Purchase agreement, you pay the car off over time.

You don’t own the vehicle.

You don’t need to make any ongoing payments.

You pay off your vehicle within an agreed timeframe. You may also reduce your repayments by paying a deposit or opting to make a larger balloon payment at the end of your contract term.

You make payments over the life of the lease, with the option to make smaller regular payments if you have chosen to increase the residual value at the end of the term.

You may be able to claim tax deductions for depreciation if you are buying the Audi for business purposes.

If you are buying your Audi for business use, your borrowing costs and interest may be tax deductible. You might also be able to claim deductions for depreciation.

If you lease the car for business use, your payments (including GST) may be tax deductible.

If you lease your Audi as part of a salary package, you can usually make the payments from your pre-tax salary.

You cannot adapt the terms of the purchase to suit your repayment needs.

You can decide what deposit you will pay and how much finance you will use, as well as the term, the repayment structure and more.

You can adjust the term, repayment structure and more to suit your business needs.

Your new Audi comes with a standard three-year unlimited-kilometre warranty.

You will need to manage the sale or trade-in of your current vehicle and outlay for a new one.

If you plan to upgrade your Audi at the end of your term, you may be able to trade it in and refinance to cover any outstanding balloon payment.

When the term of your lease ends, if you wish to upgrade your Audi, you can simply return it and choose a new model or refinance.

Not applicable

Return and upgrade

Keep your vehicle

Sell and repay

Under a purchase agreement you can also return the goods

Return and upgrade

Refinance your residual with us

Make an offer to purchase the vehicle

Chattel Mortgage
Consumer Loan
Hire Purchase

Audi Choice: Guaranteed Future Value is also available in conjunction with these finance products.

Finance Lease
Novated Lease

Start your journey here

Calculate Finance Locate nearest dealer

Or learn more about Personal Finance, Business Finance or Insurance