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OUR MOST POPULAR PRODUCTS

ŠKODA Choice Guaranteed Future Value

Life’s too short to waste time worrying about the future. ŠKODA Choice^ lets you know what the future value of your car will be at the end of the term, helping you plan for tomorrow, today.

Consumer & Commercial Loan

Why keep a good thing waiting? With a Consumer or Commercial loan, you can choose to own your ŠKODA from the start, then simply pay back the principal, plus interest, over the term with regular payments. You can even reduce your loan repayments by adding a balloon, payable at the end of the term.

Finance Lease

If leasing is more your style, a finance lease lets you use the car for an agreed term in exchange for regular repayments. You don’t actually own the car, but at the end of the term you can trade it in and upgrade to the latest model, or stay with the same car and either pay out or refinance the balloon amount.

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Terms and Conditions

This calculator is a tool for indicative use only. No result from the use of the calculator should be considered a loan application or an offer of a loan. The calculator does not take into account your personal circumstances. All interest rates displayed are guides only. Repayments as a result of this simulation can vary based on your personal circumstances including your credit worthiness. Other assumptions can apply. You should discuss your circumstances with our finance professionals or through your own independent sources.

Finance enquiry

Terms and Conditions

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 on this page, please seek independent tax advice. To approved customers only and subject to a credit assessment. Terms and conditions apply.

^The ŠKODA Choice Program consists of an option to return the vehicle to SFS** at the end of the term and require SFS** to purchase the vehicle at an agreed price known as the Guaranteed Future Value or GFV as determined by SFS** and set out in your contract. 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. The GFV is not a representation by SFS** as to the likely market value of the vehicle as at the end of your contract. The option is available on new and demonstrator ŠKODA vehicles for selected models only. Please verify with your dealership the vehicles that are eligible for the program. The GFV will be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guide. Download the ŠKODA Choice Fair Wear and Tear Guide for more information. Other terms, conditions, fees and charges apply. The cost of the ŠKODA Choice Program is incorporated into the applicable interest rate. Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information, please seek independent financial and tax advice. Full terms and conditions are available upon application. Available only to approved personal applicants of SFS**. Subject to credit assessment. Standard fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available at participating ŠKODA dealers. ŠKODA Australia and SFS** reserve the right to change, supersede or extend all offers. **SFS is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460. Australian Credit Licence 389344.

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 on this page, please seek independent tax advice. To approved customers only and subject to a credit assessment. Terms and conditions apply.

^The ŠKODA Choice Program consists of an option to return the vehicle to SFS** at the end of the term and require SFS** to purchase the vehicle at an agreed price known as the Guaranteed Future Value or GFV as determined by SFS** and set out in your contract. 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. The GFV is not a representation by SFS** as to the likely market value of the vehicle as at the end of your contract. The option is available on new and demonstrator ŠKODA vehicles for selected models only. Please verify with your dealership the vehicles that are eligible for the program. The GFV will be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guide. Download the ŠKODA Choice Fair Wear and Tear Guide for more information. Other terms, conditions, fees and charges apply. The cost of the ŠKODA Choice Program is incorporated into the applicable interest rate. Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information, please seek independent financial and tax advice. Full terms and conditions are available upon application. Available only to approved personal applicants of SFS**. Subject to credit assessment. Standard fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available at participating ŠKODA dealers. ŠKODA Australia and SFS** reserve the right to change, supersede or extend all offers. **SFS is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460. Australian Credit Licence 389344.

Want To Know More? Choose Your Finance:

Personal Finance

Personal finance that suits you

Whether you’re looking for a Consumer Loan to help you purchase your new ŠKODA outright, or a Novated Lease through your salary package, the choice is yours.

Download Product Brochure

Consumer Loan

Elegantly simple, a Consumer Loan could be the perfect solution when you want to get on the road sooner rather than later.

Get behind the wheel sooner with a ŠKODA Financial Services Consumer Loan. With 100% finance for approved customers, there’s no waiting while you save for a deposit.

Your interest rate is fixed, so your repayments won’t go up, and you choose the term of your Loan. Plus, you can customise your repayment, with a deposit at the start or balloon payment at the end of your term.

Best of all, once your Loan is paid off, your ŠKODA is all yours.

  • Cover all your on-road costs, rego and insurance with 100% finance
  • Tailor your Loan for your financial situation
  • Choose your Loan term — from one to seven years Use your ŠKODA as security on your Loan
  • Enjoy a competitive fixed interest rate
  • Save with no annual or account-keeping fees
  • Pay an initial deposit, or add a balloon payment at the end of your term to lower your regular repayments.

 

Salary packaging – Novated Leases

If you’re looking to make the most of a salary package, a Novated Lease can put a brand new Skoda in your driveway for less.

A ŠKODA Financial Services Novated Lease can be a great solution for employees and employers alike.

Employees can enjoy the thrill of a br...

Read More

Personal finance that suits you

Whether you’re looking for a Consumer Loan to help you purchase your new ŠKODA outright, or a Novated Lease through your salary package, the choice is yours.

Download Product Brochure

Consumer Loan

Elegantly simple, a Consumer Loan could be the perfect solution when you want to get on the road sooner rather than later.

Get behind the wheel sooner with a ŠKODA Financial Services Consumer Loan. With 100% finance for approved customers, there’s no waiting while you save for a deposit.

Your interest rate is fixed, so your repayments won’t go up, and you choose the term of your Loan. Plus, you can customise your repayment, with a deposit at the start or balloon payment at the end of your term.

Best of all, once your Loan is paid off, your ŠKODA is all yours.

  • Cover all your on-road costs, rego and insurance with 100% finance
  • Tailor your Loan for your financial situation
  • Choose your Loan term — from one to seven years Use your ŠKODA as security on your Loan
  • Enjoy a competitive fixed interest rate
  • Save with no annual or account-keeping fees
  • Pay an initial deposit, or add a balloon payment at the end of your term to lower your regular repayments.

 

Salary packaging – Novated Leases

If you’re looking to make the most of a salary package, a Novated Lease can put a brand new Skoda in your driveway for less.

A ŠKODA Financial Services Novated Lease can be a great solution for employees and employers alike.

Employees can enjoy the thrill of a brand new ŠKODA as part of their salary package, and take advantage of potential tax benefits. And by including a ŠKODA in their recruitment offer, employers can better attract and retain quality staff.It’s easier to organise than you probably realise — and it could knock thousands of dollars off the total cost of your vehicle.

With a Novated Lease agreement, ŠKODA Financial Services owns the vehicle, with lease payments made by the employer from their employee’s pre-tax salary throughout the term of the Lease. If the employee changes workplace, they have to make their repayments themselves.

Once the Lease ends, the employee can choose to take a new Lease and upgrade to the latest model ŠKODA.

It’s easy, affordable — and smart.

  • Pay for your new ŠKODA from your before-tax salary
  • Enjoy terms from one to five
  • All your insurance, registration and on-road costs can be included in your finance — so there’s nothing for you to pay upfront out of your own pocket
  • No account-keeping fees or annual fees
  • As an employer, reward your best and brightest staff with a brand new ŠKODA, paid for from their before-tax salary.

Business Finance

At ŠKODA, finance isn’t just about lending you money. We’ll also work with you to ensure your finance solution is tax effective and compatible with your cash flow — whether you want to claim the repayments or depreciation on your vehicle on your tax return, or reduce your regular repayments through an extra deposit or balloon/residual payment.

Download Product Brochure

 

At ŠKODA, finance isn’t just about lending you money. We’ll also work with you to ensure your finance solution is tax effective and compatible with your cash flow — whether you want to claim the repayments or depreciation on your vehicle on your tax return, or reduce your regular repayments through an extra deposit or balloon/residual payment.

Download Product Brochure

 

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