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 car finance with AutoMoney Trust.
Whether you're considering an Audi A1, A3, A4, Q3, Q5 or another used model, the finance available will depend on factors such as your individual circumstances, the price and age of the vehicle, as well as whether the repayments are affordable.
Before choosing an Audi, it's also worth considering the overall cost of owning the vehicle alongside your monthly finance repayments. Insurance, fuel or charging, road tax, servicing, tyres, maintenance and potential repairs can vary between models. Larger SUVs, quattro versions and higher-performance models may have higher running costs than smaller Audi models.
You can use our finance calculator to estimate example monthly repayments before applying. Any finance offered will depend on your individual circumstances and the vehicle you choose.
The best used Audi to finance will depend on your budget, the space you need, your typical journeys and the overall running costs you can comfortably afford. Different Audi models offer different levels of practicality, comfort and performance, so it's worth comparing your options before deciding.
The Audi A1 may suit drivers looking for a smaller premium that's practical for city driving and commuting. The Audi A3 provides more space while still offering the practicality of a compact car, making it an option for commuters, smaller families and everyday driving.
If you need more room, the Audi A4 is available as a saloon or estate and may suit drivers who regularly make longer journeys or want additional passenger and luggage space. For those looking for an SUV, the Audi Q3 offers a higher driving position and additional practicality, while the larger Audi Q5 provides more passenger and luggage space.
When comparing Audi car finance, consider more than the monthly repayment. Insurance furl or charging costs, road tax, serving , tyres, maintenance and potential repairs can vary between models. Larger SUV's, quattro versions and higher-performance specifications may also cost more to run than smaller Audi models.
You should also consider age, mileage, condition and service history of the individual vehicle. Ultimately, the most suitable used Audi to finance is one that meets your driving needs while remaining affordable to finance, own and run.
Some Audi models can be more expensive to run than mainstream cars, although the overall cost will depend on the model, engine, age, specification and how you use the vehicle.
Smaller models such as the Audi A1 and A3 may have more manageable running costs than larger models, while SUVs such as the Q3 and Q5, quattro versions and higher-performance specifications can cost more when it comes to fuel, insurance, tyres, servicing and maintenance.
As a premium brand, some Audi replacement parts and repairs can also cost more than those for mainstream vehicles. Models fitted with larger wheels may require more expensive tyres, while more complex engines, four-wheel-drive systems and higher-performance components can potentially increase maintenance and repair costs.
The condition and maintenance history of a used Audi can make a significant difference too. Before buying, check the service and MOT history, mileage, tyres, brakes and general condition to identify any maintenance or repairs that may need to be budgeted for.
If you're considering Audi car finance, look beyond the monthly finance repayment and consider the overall cost of owning the vehicle. Insurance, fuel or charging, road tax, servicing, tyres, maintenance and potential repairs should all be factored into your budget before choosing a used Audi.
Before financing a used Audi, check the vehicle's service history, MOT record, mileage and overall condition. You should also inspect the tyres, brakes and suspension, check for dashboard warning lights and make sure the clutch or gearbox operates smoothly.
A clear service and maintenance history can help you understand how well the Audi has been looked after. Review previous MOT results for recurring advisories or problems and consider whether the vehicle's mileage and condition are appropriate for its age.
It's worth checking the car's electrical and technological features. Test the infotainment system, digital displays, parking sensors, air conditioning and any driver-assistance features fitted to the vehicle to make sure everything is working as expected.
Depending on the model you're considering, pay particular attention to the potential running and maintenance costs. Larger SUVs, diesel models, quattro versions and higher-performance Audis may have different servicing. tyres, fuel and repair costs compared with smaller or less powerful models.
Before applying for Audi car finance, consider these potential ownership costs alongside your monthly finance repayments. If the Audi has high mileage, limited service history or signs of poor previous maintenance, you may also want to consider an independent vehicle inspection before buying.
