The best Audi finance deals in 2026

Audi sits in a unique position in the UK market - premium enough to feel special, mainstream enough that used stock is plentiful at most price points. The range runs from A3 hatchbacks at under £10,000 through to RS 6 Avants, RS Q8 SUVs, and the new Q6 e-tron at ten times that figure. Almost all of them are bought on finance, and the rate you accept makes a significant difference to what the car actually costs you. Audi Financial Services quotes competitive rates on new stock, but used is a different story - and independent dealers selling used Audis regularly charge 12% to 14% representative APR. Through Prefinance, specialist brokers offer rates from 7.9% APR on vehicles over £40,000 and from 8.9% APR on those below (representative 8.9% APR). Based on 311 real Audi comparisons, our users save an average of £54 per month - and across the range that adds up fast. Use our Audi finance calculator to see the difference on the car you're looking at.

High-Performance and Prestige Audis on Finance

Audi's RS and upper-range Q models are where the savings from comparing finance become most dramatic. These are cars valued well above £40,000, where the 7.9% starting rate through Prefinance applies and where even a small rate improvement saves serious money each month. But rate isn't the only factor. Strong PCP residual values from some lenders mean the lowest rate isn't necessarily the lowest payment

Audi RS 6 Avant

The RS 6 Avant is one of the most desirable performance cars in the UK - a 600 horsepower estate car that can do the school run, a motorway cruise, and a sub-four-second sprint to 60 mph without breaking a sweat. Used prices start from around £65,000 for early C8 models and climb towards £200,000 for the limited release Performance special editions. The RS 6 holds its value reasonably well because it's one of the few supercars that shines in almost every aspect, including space for family, dogs or whatever! Demand sometimes outstrips supply on the used market, and buyers can specify them heavily when new - which supports residual values further.

At these values, the finance rate is critical. On a £90,000 RS 6 financed over 48 months, the difference between 7.9% and 12% APR represents thousands of pounds in additional interest at the higher rate. PCP works for RS 6 buyers who change cars regularly, while HP suits those who want to keep it. Lease Purchase delivers the lowest monthly payment for business owners who are confident in the car's residual. Check the figures on our Audi PCP rates calculator.

Audi RS Q8

The RS Q8 combines the practicality of a full-size luxury SUV with the performance of a sports car - the same 4.0-litre twin-turbo V8 found in the Lamborghini Urus, delivering 600 horsepower through quattro all-wheel drive. Used prices start from around £75,000 and stretch well past £120,000 for late-plate examples in high specification. It competes directly with the BMW X6 M Competition and Mercedes-AMG GLE 63, but tends to fly slightly under the radar by comparison - which is often exactly what RS Q8 buyers want.

PCP works well on the RS Q8 because residual values are strong and lenders are comfortable setting competitive GFV figures. However, the interest charges on PCP can be substantial at this price level because you're paying interest on the full balance including the deferred balloon. For buyers who want to minimise total cost of borrowing, HP remains the most straightforward option. Compare both products side by side on the specific car you're considering using our Audi finance calculator.

Audi RS Q3 and RS Q3 Sportback

The RS Q3 is the compact performance SUV in Audi's lineup - a 400 horsepower five-cylinder engine in a practical crossover body. It's more affordable than the RS Q8 but still firmly in the prestige bracket, with used prices ranging from around £35,000 for early models to £55,000 for late-plate Sportback variants. The RS Q3 sits right around the boundary where rates through Prefinance drop from 8.9% to 7.9% - models above £40,000 qualify for the lower rate, and most current-generation examples on the market are priced above that threshold.

Audi Q6 e-tron

The Q6 e-tron is Audi's newest electric SUV, built on the Premium Platform Electric architecture shared with the Porsche Macan Electric. It's only recently arrived on the market, so used examples are still scarce, but early ones are beginning to appear at prices between £50,000 and £75,000. As with other EVs, lenders tend to set conservative GFV figures, and the variation between quotes from different brokers can be wider than on conventional Audis. Comparing rates through Prefinance is particularly valuable here because different lenders price EV risk differently - and at this price level, the 7.9% starting rate applies.

Volume Audis on Finance: A3, A4, and A5

The A3, A4, and A5 account for the majority of used Audi sales in the UK. These are the cars most people think of when they think of Audi - well-built, refined, and available in enough specifications to suit almost any buyer. Most sit below the £40,000 threshold, which means the starting rate through Prefinance is 8.9% APR. Even at that rate, the saving against typical dealer quotes is substantial.

Audi A3 and S3

The A3 is Audi's entry point and one of the most popular premium hatchbacks on the market. Used prices range from around £14,000 for older 8V-generation models to £30,000 for late-plate 8Y Sportback S line examples. The S3, with its 310 horsepower turbocharged engine and quattro all-wheel drive, commands a premium - used prices sit between £28,000 and £42,000 depending on age and mileage.

The A3 is overwhelmingly financed on PCP because most buyers change cars every three to four years, and Audi's strong residual values support competitive monthly payments. HP is a good alternative for higher-mileage drivers who don't want PCP's excess mileage charges. For the S3, HP is worth considering because these cars hold their value well enough that PCP's conservative GFV may understate the car's real-world worth at the end of the term. Use our Audi PCP rates calculator to compare products and rates.

Audi A4 and S4

The A4 has been Audi's mid-range saloon and Avant estate for decades, and the used market is well stocked with examples at every budget. The A4 is now being replaced by the A5 nameplate in Audi's new naming convention, which means late-model A4s represent strong value as the previous generation. Used prices range from around £15,000 for older models to £35,000 for final-edition S line and Black Edition Avants. The S4, with its 3.0-litre TDI V6 (in the B9 generation), sits between £25,000 and £40,000.

The A4 Avant in particular is a popular PCP choice for families and company car drivers who want premium quality and estate practicality without the price tag of a BMW 5 Series Touring or Mercedes E-Class Estate. HP suits buyers who plan to keep the car beyond a typical PCP term.

Audi A5 and S5

The A5 spans coupe, Sportback, and Cabriolet body styles, giving buyers more choice of shape than the A4 offers. Used prices range from around £18,000 for early Sportback models to £40,000+ for the S5 in recent specification. Under Audi's new naming structure, the A5 nameplate now also covers what was previously the A4 - so the used market will increasingly include both generations under this badge.

The A5 Sportback is effectively a more stylish A4 saloon and attracts a similar buyer profile. The S5 and RS 5 are different propositions - the RS 5 with its 2.9-litre twin-turbo V6 producing 450 horsepower, with used prices starting around £40,000 and climbing to £60,000+. A

Why Audi Buyers Should Compare Finance

Audi Financial Services runs manufacturer-backed PCP deals on new cars that can be genuinely competitive. But those rates are subsidised to shift new stock. On used Audis, the subsidy doesn't apply and the APR increases. Main dealer approved used rates typically sit between 8.9% and 12.9%, while independent dealers - where many used Audis are bought - commonly charge 12% to 15% representative APR.

Based on our data from 311 real Audi comparisons, the average monthly saving when comparing through Prefinance rather than accepting dealer finance is £59.26. On higher-value RS and Q models, the saving is often considerably more. The process is straightforward: Prefinance compares quotes from multiple specialist brokers, each with access to their own panel of lenders. You see the rates side by side, choose the best one, and deal directly with that broker. The initial comparison uses a soft credit check with no impact on your score.

PCP vs HP: Which Suits Your Audi?

PCP dominates across the Audi range because the brand's strong residual values keep monthly payments competitive, and most Audi buyers change cars regularly. The flexibility to hand the car back, pay the balloon, or trade in at the end of the term appeals to drivers who like staying in recent models.

HP is the better choice when total cost matters more than monthly cost. It's popular with RS model buyers who intend to keep the car, S3 and S4 owners who cover high mileage, and anyone who simply prefers owning their car outright without restrictions. On lower-value A3 and A4 models, HP's higher monthly payment is manageable and the interest saving over the term makes it worth considering.

For high-value RS and Q models, Lease Purchase is a third option that delivers the lowest monthly payment by setting a higher balloon than PCP's GFV - without the guaranteed buy-back. It suits business owners and high-net-worth buyers who are confident the car will hold its value and want to keep monthly outgoings as low as possible.

Compare Used Audi Finance Deals

Whatever Audi you're considering - from an A3 hatchback to an RS 6 Avant, from a Q6 e-tron to an RS Q8 - compare your finance options before you sign anything. Visit the Audi finance deals page to browse rates across the range, or go straight to our Audi PCP rates calculator to get a personalised comparison on the specific car you've found. Rates start from 7.9% APR on vehicles over £40,000 and from 8.9% APR below that. No obligation, no hard credit check, and it takes minutes. And of course if the dealer's rate is better, you know you have compared the market and can buy in comfort!

Prefinance is a car finance comparison service, not a broker or lender. We work with a panel of specialist finance brokers who can offer competitive rates from 7.9% APR (representative APR 8.9%). Finance is subject to status. UK residents aged 18 and over only.