Used Audi Finance
Looking to finance a used Audi? AutoMoney Trust can help you spread the cost of models like the Audi A1, A3, A4, Q3 and Q5 with fixed monthly hire purchase payments.
A used Audi can be a strong choice if you want a car with premium styling, a refined interior and a more polished feel than many mainstream alternatives. Audi models are often chosen by drivers who want comfort, technology, build quality and a wide choice of body styles.
Smaller models such as the Audi A1 and A3 can suit city driving, commuting and smaller households, while the A4 offers more space and motorway comfort. SUV models such as the Q3 and Q5 may suit families or drivers who want a higher driving position.
Before applying for finance, compare the full ownership cost, not just the monthly payment. Insurance, servicing, tyres, repairs and fuel can vary a lot between Audi models, especially between smaller hatchbacks, diesel saloons, quattro versions and larger SUVs.
Our guide to running and servicing costs explains what to budget for before choosing a used car.
Used Audis can be reliable when they have been properly maintained, but condition matters more than the badge. A well-serviced Audi with clear MOT history and regular maintenance is usually a stronger option than a cheaper example with missing paperwork.
When viewing a used Audi, check service intervals, MOT advisories, warning lights, brakes, tyres, suspension, clutch or gearbox behaviour and electrical features. Infotainment systems, parking sensors, digital displays and driver assistance features should also be checked before applying for finance.
Diesel models, quattro versions and higher-performance trims may need closer attention because repair costs can be higher than on simpler cars. A professional inspection can be useful if the car has high mileage, limited history or signs of poor previous maintenance.
For a wider checklist, read choosing a second-hand car. If faults appear after purchase, problems with a financed car explains what to do next.
Audi parts can cost more than parts for some mainstream brands, especially on larger models, quattro versions and higher-performance specifications. Costs also depend on whether you use a main dealer, an Audi specialist or an independent garage.
Wear items such as tyres, brakes, suspension components and servicing should be checked carefully before buying. Larger wheels, premium tyres and more complex engines may increase maintenance costs over time.
Before applying for finance, compare the monthly repayment with the likely running costs. This includes servicing, tyres, insurance, MOT costs, repairs and fuel. A used Audi can feel affordable on finance, but the wider ownership cost needs to fit your budget.
If you are comparing borrowing costs as well as maintenance costs, read what APR means in car finance before applying.
Used Audi values can hold up well compared with some mainstream brands, especially for popular models with strong service history, desirable specifications and lower mileage. However, values can still fall over time depending on age, mileage, condition, engine type, trim and market demand.
Models such as the Audi A1, A3, Q3 and Q5 can remain popular in the used market because they appeal to a wide range of drivers. Well-maintained examples with clear history may be easier to sell or part exchange later.
If you are financing a used Audi, remember that the total amount paid under a finance agreement may be more than the car’s cash price because interest and fees can apply. Depreciation should be considered alongside the monthly payment and wider ownership costs.
Used Audi finance customers often compare the A1, A3, A4, Q3 and Q5 because each model suits a different type of driver.
The Audi A1 is Audi’s compact hatchback and can suit drivers who want premium styling in a smaller, easier-to-park car.
The Audi A3 is one of Audi’s most popular used models, offering a balance of everyday practicality, comfort and manageable running costs.
The Audi A4 may suit drivers who want more space, motorway comfort and a more refined saloon or estate option.
The Q3 and Q5 can suit drivers who want SUV practicality, but running costs can be higher than smaller Audi models. Before choosing a model, compare insurance, tyres, service history, MOT record and whether the vehicle suits your usual journeys.
The Audi A3 is a compact premium hatchback that suits drivers who want everyday practicality with a higher-quality cabin. Used models are available with petrol, diesel and plug-in hybrid options, depending on age and trim. It can work well for commuters, small families and drivers moving up from a standard hatchback.
Open Audi A3 pageThe Audi A1 is Audi’s small hatchback, popular with city drivers and buyers who want premium styling in a compact car. It is easy to park, efficient on shorter journeys and generally cheaper to run than larger Audi models. Insurance and running costs still depend on engine, trim, mileage and driver profile.
Open Audi A1 pageThe Audi Q3 is a compact SUV with a higher driving position, more boot space and a more practical layout than the A1 or A3. It can suit families, commuters and drivers who want a smaller premium SUV without moving up to the larger Q5.
Open Audi Q3 pageThe Audi A4 is a saloon or estate model that suits drivers who want more comfort, space and motorway refinement. Used A4 models are commonly available with petrol and diesel engines, with running costs depending on mileage, trim, gearbox and service history.
Open Audi A4 pageThe Audi Q5 is a larger SUV with more passenger space and comfort than the Q3. It can suit families and drivers who need a more practical premium car, but insurance, tyres, servicing and fuel costs can be higher than smaller Audi models.
Open Audi Q5 pageHire purchase is a common way to spread the cost of a used Audi. You choose the car, agree the amount to finance, then make fixed monthly payments over an agreed term. At the end of the agreement, once all payments and the option to purchase fee have been paid, ownership can transfer to you.
Before applying, check your budget carefully. The monthly finance payment is only one part of the cost. You should also consider insurance, servicing, tyres, fuel, repairs and whether the Audi model you want has higher running costs than a standard used car.
Our guide explains how HP finance works if you are new to hire purchase. You can also estimate your monthly payments with the finance calculator, then apply online when you are ready.
Finance is subject to status and affordability. Your individual rate and approval depend on a full assessment, not a representative example.
Audi cars often hold their value better than some mainstream brands, especially popular models with strong service history, desirable specification and sensible mileage. Models such as the A1, A3, Q3 and Q5 remain popular on the used market because they appeal to a wide range of drivers.
That said, value still depends on the exact car. Mileage, condition, engine, trim, service history, colour, ownership history and market demand can all affect resale value. A well-maintained Audi with clear paperwork may be more attractive to future buyers than a cheaper example with gaps in its history.
If you are financing a used Audi, remember that the total amount payable can be higher than the cash price of the vehicle because interest and fees may apply. Depreciation should be considered alongside the finance payment and wider ownership costs.
If you already have a vehicle to move on, part-exchanging a car explains how your current car could affect your next purchase.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
Yes, you can apply for used Audi finance through AutoMoney Trust. Finance is subject to status, affordability checks and lender approval. You can use the finance calculator to estimate example monthly payments before applying.
The best used Audi model depends on your budget, insurance cost and how you plan to use the car. The Audi A1 may suit drivers wanting a smaller premium hatchback, while the A3, A4, Q3 or Q5 may suit drivers who need more space.
Some Audi models can cost more to run than mainstream cars because of insurance, tyres, servicing and premium parts. Before applying, compare the full monthly cost, not just the finance payment.
Before financing a used Audi, check the service history, MOT record, mileage, tyres, brakes, warning lights and gearbox behaviour. Premium models, larger SUVs and higher-spec cars may cost more to run, so compare the full monthly cost before applying.
