Finance for your personal needs

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1 Finance for your personal needs

2 Flexible finance from the Volkswagen specialists Choosing a new car is a very personal thing, and we think car finance should be just as personal. We re here to help you create an individually tailored finance option that s perfect for your budget, your lifestyle and your new vehicle. Because no-one understands Volkswagen like we do.

3 Greater convenience We know your time is valuable, so enjoy the convenience of applying for finance on the spot at your Volkswagen dealership. Superior value With no account keeping fees and competitive rates, you ll be surprised how affordable car finance can be. Complete flexibility Enjoy a flexible range of finance options, whether your new Volkswagen is for business or pleasure. Personalised solutions From Novated Leases to Consumer Loans, we ll help you explore the options and tailor a finance solution just for you. Swift and seamless approvals Because we know Volkswagen inside out, we can approve applications faster often on the same day. The Volkswagen standard You can be certain of superb value and reliability with a finance solution worthy of your new Volkswagen. Why choose Volkswagen Finance?

4 Options for Volkswagen drivers You wouldn t settle for just any car so why be satisfied with everyday car finance? Volkswagen Finance is designed especially for Volkswagen drivers, with all of the flexibility and convenience you would expect. And because your finance package is individually tailored with the features you need, it s both practical and affordable. 100% on-road finance Finance up to 100% of the cost of your new car, including registration, insurance and on-road costs, or pay a deposit (if applicable) for lower repayments. The term of your choice Choose a term from one to seven years, depending on your finance option. Personalised repayments Shape your payments to your needs with the deposit (if applicable) and term of your choice or pay less upfront with a balloon/residual payment at the end of your term.

5 Secured by your new Volkswagen We understand the value of your new Volkswagen so we almost never ask for extra security. Easy payment options Pay weekly, fortnightly or monthly by direct debit or BPAY, so you can match your payments to your salary cycle. No hidden surprises No account keeping fees and a fixed interest rate mean you know exactly how much you ll pay and when so you can plan with confidence. Why choose Volkswagen Finance?

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7 Consumer Loan A Consumer Loan could be the perfect solution when you want to get on the road sooner rather than later. With 100% finance for approved customers, there s nothing to pay upfront. You can personalise your loan by choosing the term or paying a deposit, tailoring your repayments to suit your needs. A competitive fixed interest rate means you can budget with confidence. And when the last payment s made, your new Volkswagen is completely yours. FACTS AT A GLANCE Personalise your loan to fit your budget Choose from loan terms up to seven years Buy with 100% finance, including insurance, registration and on road costs Save with a competitive fixed interest rate Pay no account keeping fees or annual fees Secure your loan with your new Volkswagen no additional security required for approved applicants Reduce your monthly repayments by adding a balloon payment at the end of your loan term or paying a deposit upfront Consumer Loan

8 Salary Packaging Novated Lease If you re looking to make the most of a salary package, a Novated Lease can put a brand new Volkswagen in your driveway for less. What is a Novated Lease? A Novated Lease is simply an agreement between an employee, the employer and Volkswagen Finance, where we own the vehicle and the employer makes payments from the employee s pre-tax income for an agreed length of time. Registration, vehicle insurance and on-road costs can also be part of the package. If the employee leaves their job then they re responsible for paying for the Lease. That not only means less work for you it could also save you thousands compared to the cost of buying a vehicle after tax. At the end of your Lease When your Lease ends, you have the option of paying any remainder and taking full ownership of your vehicle, or upgrading to the latest model with a new Lease. Remember that if you leave your job, you ll need to take over the lease payments.

9 Benefits for employers A Novated Lease can be a simple and cost-effective way to add value to your employees remuneration packages, helping you find and keep talented staff. What s more, the repayments may be tax deductible. Finance Company Employee Novated Lease Employer FACTS AT A GLANCE Make the most of your salary package by paying for your new Volkswagen from your pre-tax income Pay nothing upfront with 100% finance, including insurance, rego and on-road costs Choose from terms of up to five years Pay no account keeping fees or annual fees Secure your Lease with your new Volkswagen no additional security required for approved applicants Salary Packaging

10 Your Volkswagen Specialists When you re choosing a car, expert advice makes all the difference. The same thing applies to car finance. Our Business Managers are experts in cars and experts in car finance. They make it their mission to guide you through the finance maze, so you can get your new Volkswagen on the road faster. And our personalised service doesn t end when you leave the dealership. Your dedicated Business Manager will be there to help you throughout the life of your loan or lease. So specialist support is only ever a phone call away. Visit your local Volkswagen dealer to speak to a Business Manager today.

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12 Important Information Because we do not know your personal objectives, please consider whether these products are appropriate for your circumstances. Before acting on any of the information in this brochure, please seek independent tax advice. Approved customers only. Subject to credit assessment. Terms and conditions apply. Other fees and charges apply. Volkswagen Finance is a trading name of Volkswagen Financial Services Australia Pty Limited ABN Australian Credit Licence (VWFSA). Credit provider on Consumer Loans is VWFSA. Vehicles and accessories shown may vary from actual specifications and colours available when ordering your vehicle. Printed June 2014 VW_FINCON_062014

13 Finance for your business needs

14 Flexible finance from the Volkswagen specialists Choosing a new car is a very personal thing. And we think car finance should be just as personal. We re here to help you create an individually tailored finance option that s perfect for your budget, your lifestyle and your new vehicle. Because no-one understands Volkswagen like we do.

15 Greater convenience We know your time is valuable, so enjoy the convenience of applying for finance on the spot at your Volkswagen dealership. Superior value With no account keeping fees or hidden charges, you ll be surprised how reasonable financing a Volkswagen can be. Complete flexibility Enjoy a flexible range of finance options, whether your new Volkswagen is for business or pleasure. Personalised solutions We ll help you explore a variety of finance options - from Chattel Mortgages to Consumer Loans - and tailor the perfect solution for you. Swift and seamless approvals Our business is to know Volkswagen vehicles inside out, which means we re able to make the application process as smooth as possible. The Volkswagen standard You can be certain of superb value and reliability with a finance solution worthy of your new Volkswagen vehicle. Why choose Volkswagen Finance?

16 Boost your business with a brand new Volkswagen Whether you re a sole trader or a larger company, business vehicle finance can make good sense. Our business solutions help you put the latest Volkswagen models to work sooner, boosting productivity and reducing maintenance downtime. With no need to find cash up front, they re also good news for business cash flow. Once your new vehicles start producing an income, you can pay them off over time from the cash they help to generate. And because your borrowing costs and depreciation may be tax deductible, business vehicle finance can be very tax effective.

17 Why choose Volkswagen Finance?

18 Benefits for your business 100% on-road finance Finance up to 100% of the cost of new business vehicles, including registration, insurance and on-road costs, or pay a deposit for lower repayments (if applicable). Flexible finance for every business Choose from a range of tax-effective finance solutions, including Finance Leases, Chattel Mortgages and Hire Purchase.

19 The term of your choice Structure your payments to suit your cash flow, with the option of paying less upfront and a balloon/residual payment at the end of your term. Secured by your new Volkswagen Because your vehicle generally secures your finance, there s no need to tie up other business or personal assets as security. Easy payment options Pay weekly, fortnightly or monthly, by direct debit or BPAY, so you can match your payments to your cash flow cycle. No hidden costs No account keeping fees and a fixed interest rate means you can budget for future finance payments with complete accuracy. Business Finance Options

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21 Business Finance Options No two businesses are alike, so it only makes sense to tailor your vehicle finance to your unique business situation. We ll help you choose from our wide range of tax-effective finance solutions, including Finance Leases, Hire Purchase and Chattel Mortgages. Then we ll help you tailor your vehicle finance to your business needs to suit your cash flow and your tax position. So you can be confident you ll achieve the best business outcome at a very competitive price. Finance Lease Hire Purchase Chattel Mortgage Deposit Residual/balloon payment at the end of the term Business Finance Options Tax deductible repayments Tax deductible depreciation Tax deductible interest GST is payable on the cost of the asset GST is payable on the repayments

22 Talk to a business finance specialist Choosing the right business car finance can be complex. There s a lot to think about: whether you would prefer to keep or upgrade your vehicle when the term is finished, how much you d like to pay upfront, as well as the effect on your tax. Even something as simple as accounting for GST on a cash basis can make a big difference to the after-tax cost of your new vehicle. Our Business Managers are specialists in Volkswagen vehicles and specialists in car finance. They re experts at guiding you through the finance maze, helping you to choose the right finance to achieve the best result for your business. Visit your local Volkswagen dealer to speak to a Business Manager today.

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24 Important Information Because we do not know your personal objectives, please consider whether these products are appropriate for your circumstances. Before acting on any of the information in this brochure, please seek independent tax advice. Approved customers only. Subject to credit assessment. Terms and conditions apply. Other fees and charges apply. Volkswagen Finance is a trading name of Volkswagen Financial Services Australia Pty Limited ABN Australian Credit Licence Vehicles and accessories shown may vary from actual specifications and colours available when ordering your vehicle. Printed June 2014 VW_FINBUS_062014

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