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Business Car Finance

Your business success is our success

Whether you're a sole trader or large company, business vehicle finance with Volkswagen Financial Services is easy. We'll help tailor your vehicle finance to suit your needs so the best business outcome is achieved at a competitive price1.

Flexible business finance options2

Volkswagen Financial Services has a range of tax-effective solutions to help with your business: Chattel Mortgage or Finance Lease. See the below table to see what's included.

 Chattel MortgageFinance Lease
Deposit+ 
Residual or balloon payment at the end of the term++
Tax-deductible repayments +
Tax-deductible depreciation+ 
Tax-deductible interest+ 
GST is payable on the cost of the asset+ 
GST is payable on the repayments +

 

The difference between
financing vs leasing for businesses

Financing

Buying a car is a significant expense, and repayments are not usually tax deductible, which can make financing a new vehicle more expensive in the short-term.

However, buying a car has several benefits that leasing doesn’t offer – most obviously being that you ultimately end up owning a long-term asset. And while your loan repayments may not be tax deductible, interest repayments qualify as business expenses.

Additionally, petrol, mileage and maintenance expenses can be written off, and insurance and liability costs are typically cheaper on vehicles owned by your business.

Leasing

Most business owners prefer to lease their vehicles, and it’s easy to see why. Lease repayments are usually less than monthly loan repayments and are tax deductible.

This means that in the short term, leasing a vehicle is a more affordable option, and it gives business owners the freedom to upgrade their vehicle to a newer model at the end of their lease term if they choose.

It is however worth noting that while the monthly payments may be more affordable, they don’t add up to an asset for your business.

It's well worth doing a cost-benefit analysis before you commit either way, taking note of the car’s total cost over the car loan or lease term including:

  • Monthly payments, including interest
  • Anticipated mileage
  • Maintenance, fuel, insurance, parking and other related costs
  • The value of the car at the end of the lease vs. the ownership period.

Your benefits

  • No annual charges or account keeping fees.
  • Option to bundle your registration, Compulsory Third Party insurance (CTP), comprehensive insurance and on-road costs with your monthly payments.
  • Monthly repayments reduced by adding a balloon payment at the end of your loan or paying a deposit.
  • Flexible payment options that suit your business cash flow: weekly, fortnightly or monthly by direct debit or BPAY.

Volkswagen Fleet

Team of hard workers

Once you've picked your perfect Volkswagen fleet, our Financial Services team can help you set up an arrangement that suits you and your business.

Explore Fleet Solutions

Volkswagen Choice3

Your loan, your choice

Volkswagen Choice3 is our Guaranteed Future Value Program that gives you the option to trade in, retain or return your car at the end of a loan term.

Explore Guaranteed Future Value

3 Simple Steps

Online finance pre-approvals without any commitments

Tip: you can also use this tool to simply calculate your repayments.4

  1. Choose and build your dream vehicle
  2. Click to apply for finance and tailor your loan to suit your lifestyle
  3. Submit your application and your chosen dealer will be in touch
Choose your vehicle now
  •  
    1. The information provided on this website by Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344 is of a general nature and for information only. Nothing on our website is to be considered legal, financial or taxation advice. You should seek your own independent legal, financial and/or taxation advice about any of our products and services feature on this website, to ensure your personal circumstances are fully considered.
    2. For approved applicants of Volkswagen Financial Services (VFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Excludes other offers. While stock lasts. Fees, charges, T&C’s apply. VFS may extend, withdraw or change offer at any time.
    3. For approved applicants of Volkswagen Financial Services (VFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Volkswagen Choice consists of an option to return the vehicle to VFS at the end of the term and require VFS to purchase the vehicle at a price known as the Guaranteed Future Value (GFV) as determined by VFS. 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, which is a lump sum owed to VFS 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. Available on selected new and demonstrator Volkswagen vehicles and used Volkswagen vehicles. Contact your nearest Volkswagen dealer to check eligible vehicles for this program. Fleet, government, rental buyers, hire car and chauffeur companies excluded.
    4. Calculations are estimates provided as a guide only and not a loan approval. They assume interest rates don’t change over the life of the loan. Applications are subject to credit approval and eligibility criteria being met.