The best used Audi A3 finance deals
Use our Audi A3 finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. Audi dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the A3 on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.
Why choose an Audi A3?
The Audi A3 in the used car market offers a compelling blend of premium German engineering and accessible luxury. It's the perfect choice for discerning buyers who like a sophisticated driving experience and upscale features without the hefty price tag of a new premium vehicle. Whether you're a young professional seeking a stylish daily drive or a small family needing a compact yet refined ride, the A3 delivers on all fronts.
Under the hood, most used A3 models boast spirited performance, often featuring turbocharged 2.0-litre engines delivering around 186-228 horsepower, capable of 0-60 mph in the low 6-second range. Its precise steering and well-tuned suspension provide agile handling, while available quattro all-wheel drive ensures confident grip in various conditions. Inside, the A3 truly shines with its high-quality materials, minimalist design, and an array of technology, including Audi's intuitive MMI infotainment system, virtual cockpit displays, and smartphone integration. As a used purchase, the A3 offers exceptional value, providing a taste of luxury and advanced features, all wrapped in a durable and stylish package known for its longevity.
Financing an A3:
Financing an Audi A3 makes smart financial sense. The A3 has strong residual values and enduring desirability, meaning it holds its value well over time. This is fantastic news for PCP (Personal Contract Purchase) finance customers, as it often translates to lower monthly payments and a more accessible route to driving a premium Audi.
We believe in making finance straightforward and transparent. That's why our APR rates for the A3 start from a competitive 7.9%, with a representative APR of 8.9%. We also offer incredible flexibility when it comes to financing your A3, funding models of various ages. Our advanced comparison technology works tirelessly to find the best lender and terms specifically tailored to the individual vehicle you're interested in. Don't just take our word for it – try a comparison today and see how easy and affordable driving an Audi A3 can be.
Audi A3 finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any Audi A3 with our free PCP and HP calculator. Why accept a high 18.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £54.46 per month on used Audi finance deals.
 | Average dealer | |
|---|---|---|
| Representative APR | 8.78% | 12.09% |
| Monthly payment | £545 | £600 |
| Total payable | £25,852 | £28,472 |
| Monthly saving | £54 | N/A |
Statistics based on a sample size of 293 real Audi finance calculations and comparisons from 1/13/2026 to 7/13/2026. Data last updated on 7/13/2026
Get an instant estimate
Latest Audi A3 finance quotes
We compare multiple brokers and their lenders to find you the very best deal. You get to buy the same car for same price, but with lower payments.
| Price | Rep. APR | Monthly payment | GFV or Final payment | Monthly saving | |
|---|---|---|---|---|---|
40 TFSI e S Line 5dr S Tronic 29,426 miles 11th Apr 2026 More details | £20,599 £2,060 deposit over 49 months | 8.9% | £268.66 | £10,837 | £35.21 |
35 TFSI S Line 5dr 36,696 miles 11th Apr 2026 More details | £18,649 £1,865 deposit over 49 months | 8.9% | £246.90 | £9,600 | £31.67 |
S line 34,659 miles 26th Jan 2026 More details | £22,200 £2,220 deposit over 48 months | 8.9% | £283.38 | £12,231.25 | £55.89 |
1.5 TFSI 35 S line Saloon 4dr Petrol S Tronic Euro 6 (s/s) (150 ps) 7th Jan 2026 More details | £22,000 £3,500 deposit over 48 months | 8.9% | £259.80 | £11,471 | £58.08 |
1.5 TFSI 35 S line Saloon 4dr Petrol S Tronic Euro 6 (s/s) (150 ps) 7th Jan 2026 More details | £22,470 £2,247 deposit over 48 months | 8.9% | £498.34 | £535.94 | £37.60 |
Black Edition 4,643 miles 27th Nov 2025 More details | £29,495 £2,950 deposit over 48 months | 8.9% | £374.90 | £16,340 | £43.08 |
1.5 TFSI 35 Black Edition S Tronic Euro 6 (s/s) 4dr 4,643 miles 27th Nov 2025 More details | £29,495 £5,000 deposit over 48 months | 8.9% | £368.78 | £13,800 | £45.97 |
Calculations based on the last 7 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.
Frequently asked questions
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