Reach Your Destination

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1 Reach Your Destination 1

2 At Audi Finance, we specialise in providing superior services to match the superior performance of our cars. You can trust the reputation of an established and respected brand which has been providing financial solutions for over sixty years. We have a range of innovative, intelligent finance and insurance solutions to look after both you and your vehicle. Our premium products are designed to meet your personal motoring needs and can be tailored to match your specific cash flow, taxation or business requirements. Reach your destination today with Audi Finance. 2 3

3 Ultimate Choice This table offers you a brief summary of our innovative finance solutions. Each option has distinct advantages depending on your specific circumstances and will be tailored to suit your individual requirements. Audi Finance offers the ultimate flexibility and a range of cost-effective ways to purchase or lease an Audi vehicle. No matter which one of our finance solutions you choose, we offer you options so you can tailor your package to suit your individual requirements: Loan Hire Purchase Chattel Mortgage Novated Lease Business Lease Suitable for private purchases Suitable for business purchases Case by case approvals Rather than rely on a computer to assess your application we rely on people. Our credit team analyses all factors associated with your application to ensure the solution is right for you.* Fast approval times You will be notified of your approval within the same business day.** Easy repayment options Your choice of Direct Debit or BPAY. No account keeping fees Combined with fixed interest rates, this means you always know what your financial commitments are. Solutions for all types of customers Our products are specifically designed to cater to a range of customer needs, whether they are individuals or businesses. Choice of term You determine how quickly you wish to pay off your vehicle, from 1 to 6 years. Customer rewards and special offers Once you are an Audi customer, you become eligible for exclusive rewards and offers. Reliability Feel secure in the knowledge that you re being looked after by a respected, well established brand with more than 60 years experience. Low initial outlay Fixed budgeting Choice of repayment period Residual/balloon or final payment Lease payments are made from pre-tax income Interest payments can be made from pre-tax income Finance your on-road and registration costs Finance your motor vehicle related insurance costs * Finance your personal insurance costs ** * Customers should consult their accountant for specific advice. ** Subject to availability and detail of information provided. * e.g. Asset Equity Motor ** e.g. Loan Protection Cover 4 5

4 Ultimate Ownership Audi Consumer Loan This is an easy, effective way of spreading the cost of your Audi vehicle. It s a loan that provides great flexibility by allowing you to: Choose the term, from one to six years, that best suits you Set a final lump sum (sometimes referred to as the balloon payment), or elect not to have one Select from weekly, fortnightly or monthly repayments Opt to pay an initial deposit thereby reducing your repayments Include registration, insurance and on-road costs in the loan Better still, you can rest easy knowing that there ll be no unwanted surprises along the way as your interest rate is fixed for the duration of the contract. Once your contract is completed you ll own your car outright. Audi Hire Purchase If you re in business and you primarily use your car for work, this could be of interest to you.* You can tailor your repayments to suit your cash flow and opt to pay an initial deposit or a balloon payment at the end of the contract. You choose a term between one and five years and once you complete the contract and exercise your option the vehicle becomes yours. While you should seek the assistance of a qualified accountant, Audi Hire Purchase may provide you with tax deductions if you use your vehicle to generate income. Audi Chattel Mortgage This is an innovative finance method that has been specifically designed to cater to small business owners. Unlike Hire Purchase, Audi s Chattel Mortgage gives you ownership of your vehicle from the outset of your contract but without any capital outlay. You choose the term and spread the purchase cost over this time. If you wish, you can even finance your registration, insurance and on-road costs. The equity you build up in the vehicle remains yours and, depending on your business circumstances, interest may be tax deductible.* * Customers should consult their accountant for specific advice. 6 7

5 Think Differently Audi Novated Lease (Salary Packaging) If you re an employee seeking tax benefits, a Novated Lease may be a smart way to finance your vehicle. And if you re an employer, a Novated lease can be a simple, cost-effective way to add value to your employees remuneration packages. Put simply, it s an agreement between the employee, employer and Audi Finance that allows employees to purchase a new Audi from their pre-tax salary. Running costs and Fringe Benefits Tax can also be paid pre-tax by the employer and registration, vehicle insurance and on-road costs can be included as part of the package. A Novated Lease offers a number of benefits, including: Fixed repayments and interest rates Your choice of term from one to five years Flexibility with the choice of vehicle The opportunity to lease more than one vehicle Possible tax benefits even though your vehicle is used for private purposes A Novated Lease agreement specifies that the employer assumes the responsibility for lease payments (other than the residual value payment) for the period of the lease or until the employee leaves his or her employment, in which case the obligation to make the lease payments passes back to the employee. Naturally, you should consult your accountant for more detailed tax advice. Audi Business Lease Our lease is designed to give businesses as much financial flexibility as possible. You determine your payment terms and, at the end of the lease, you may elect to refinance the vehicle for the residual value or make us an offer to buy the vehicle. Alternatively, you can trade your Audi in and buy or lease a new one. In some circumstances you can even use an Audi Lease to finance a used vehicle. Because we set an agreed residual at the start of the lease, your monthly repayments tend to be lower than with other forms of finance. Budgeting is also easier thanks to our fixed interest rates, which mean that your repayments remain the same throughout the term of the lease. Your accountant will be able to detail any potential tax benefits that may arise from leasing your vehicle.* * Customers should consult their accountant for specific advice. 8 9

6 All Shapes and Sizes We love Audi vehicles but we understand that sometimes people fall in love with other brands. Buying a different make of car doesn t mean you have to miss out on the financial expertise of Audi Finance. We can help you with solutions on virtually any car you might be interested in. Audi Insurance Peace of Mind Audi Finance Audi Motor Vehicle Cover This is a comprehensive, no-nonsense insurance policy with a wide range of benefits. For starters, you decide whether you wish to cover your Audi for the market value or set an agreed value. The policy also includes other benefits such as: An Emergency Repair Authority to permit essential temporary repairs up to $500 Genuine Audi parts Choice of repairer and or preferred repairer New-for-old replacement if your vehicle is declared a total loss within three years of original registration. 1 Audi Motor Vehicle Cover can be financed as part of your vehicle loan or, if you d prefer to pay for it separately, we can help arrange flexible payment terms. Audi Loan Protection Cover This insurance has been designed to cover your monthly loan repayments in the event that your earning capacity diminishes through no fault of your own, such as involuntary unemployment, accident, trauma or even death, subject to agreed terms. 2 & 3 Audi Asset Equity Cover Having your car written off is bad enough but having it underinsured is even worse. This policy covers you against such shortfalls and other out-of-pocket expenses agreed to in your policy. 2 As you d expect, our insurance covers are written clearly and concisely, but if you have any general questions about the covers consult your participating Audi Insurance Dealer. 2 As you ve seen, Audi Finance offers a wide range of clever financial products for both the corporate and private buyer, which you can tailor to suit your circumstances and requirements. So no matter what you re looking for, we ll be able to help you. For further details about any of our products, please see your Audi Finance Dealer, they ll be happy to show you how best to turn your dream into reality. Alternatively, you can contact us on or find us on our website: Important Information Audi Finance is a trading name of Volkswagen Financial Services Australia Pty Limited. Locked Bag 5009, Alexandria NSW ABN Volkswagen Financial Services maintains the right to amend any information and product at any time without prior notification or obligation. The information in this brochure is of a general nature and for information only. Cars and accessories shown may not depict Australian specifications. Nothing in this brochure constitutes or should be considered to constitute legal, taxation or financial advice. You should obtain your own independent legal, tax and financial advice. 1. New for old replacement is only if the same make, model and series of vehicle is available in Australia. 2. Any advice provided is general advice only and does not take into account your personal objectives, financial situation or needs, because of this you should, before acting on the advice consider the appropriateness of the advice having regard to your objectives, financial situation or needs. A Product Disclosure Statement in respect of Audi Motor Vehicle Insurance, Asset Equity Insurance and Audi Loan Cover Insurance is available from your authorised Audi Insurance Dealer, you should obtain and consider the relevant Product Disclosure Statement before making any decision whether to acquire these products. Audi Insurance products are provided on behalf of Allianz Australia Insurance Limited AFS Licence No , ABN (Allianz). In arranging this insurance Volkswagen Financial Services Australia Limited, ABN and the authorised dealers act as agent of Allianz and not as your agent. 3. Audi Loan Protection Insurance is provided by the following insurers for the covers indicated. The Disability and Involuntary Unemployment covers of this insurance are provided by Allianz Australia Insurance Limited AFS Licence No , ABN (Allianz). The Disability and Unemployment cover of this insurance is provided by Allianz. The Death cover of this insurance is provided by Allianz Australia Life Insurance Limited (Allianz Life) AFS Licence No , ABN Allianz acts as Allianz Life s agent in offering and administering the Death cover

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