What are the main car finance options for an Audi RS5 in the UK?

When financing an Audi RS5, you'll typically encounter three primary car finance types: Personal Contract Purchase (PCP), Hire Purchase (HP), and Lease Purchase. PCP offers lower monthly payments with a balloon payment at the end, providing flexibility. HP spreads the full cost over the term, leading to ownership. Lease Purchase is a specialist product often chosen by businesses or high-net-worth individuals.

How can Prefinance help me get a better car finance deal for an Audi RS5 than a dealership?

Main Audi dealerships usually work with a single, manufacturer-tied lender, which can limit your car finance options and potentially increase costs. Prefinance, as a comparison service, works with multiple specialist finance brokers. Our technology matches your Audi RS5 to the broker most likely to offer the best car finance interest rates, helping you save money compared to standard dealer finance.

What kind of APR rates can I expect for Audi RS5 finance with Prefinance?

Our specialist finance brokers offer competitive car finance interest rates starting from 7.9% APR, with a representative APR of 8.9%. These rates are often more favourable than those from standard high-street banks or manufacturer-tied lenders, especially for prestige vehicles like the Audi RS5. You can use our car finance APR calculator to get an estimated car finance quote.

Is it possible to finance an Audi RS5 with no deposit?

Yes, zero-deposit car finance options are often available for an Audi RS5, depending on your credit profile and the specific finance product. While a deposit can reduce your monthly payments and overall interest, many of our specialist brokers can arrange no-deposit finance. Our car finance calculator can help you explore different deposit scenarios to see their impact on your monthly outgoings.

When is Hire Purchase (HP) a better car finance option for an Audi RS5 than PCP?

Hire Purchase (HP) can be a strong car finance option for your Audi RS5, especially if you plan to keep the car long-term or if it's an older model (typically 6+ years old). Unlike PCP, HP doesn't involve a large final balloon payment; you own the car outright once all payments are made. It's a straightforward way to invest in your RS5 without the end-of-term decisions of PCP.

What is a balloon payment in PCP finance for an Audi RS5?

In PCP finance for an Audi RS5, the balloon payment (also known as the Guaranteed Future Value or GFV) is a deferred portion of the car's value that you pay at the end of the agreement if you wish to own the car. This payment keeps your monthly instalments lower throughout the term. You can also choose to return the car or part-exchange it, using any equity towards a new vehicle.

Can I use the Prefinance car finance calculator to compare options for an Audi RS5?

Absolutely! Our online car finance calculator is designed to help you compare various car finance options for your Audi RS5. You can adjust parameters like loan term, deposit amount, and estimated interest rates to get an instant car finance quote and understand your potential monthly payments across PCP, HP, and Lease Purchase. This helps you find the best car finance deals tailored to your budget.

Why should I arrange Audi RS5 finance before visiting a showroom?

Arranging your Audi RS5 finance before visiting a showroom puts you in a much stronger negotiating position. You'll know exactly what you can afford and won't be pressured into taking potentially less competitive dealer finance. Prefinance helps you secure a pre-approved car finance quote, giving you peace of mind and the ability to focus purely on finding the perfect RS5.

What is Lease Purchase, and is it suitable for an Audi RS5?

Lease Purchase is a specialist car finance product that shares similarities with PCP but typically has a higher, unguaranteed balloon payment at the end. While PCP finance is more common for private buyers of an Audi RS5, Lease Purchase can be suitable for business owners or high-net-worth individuals looking for specific tax efficiencies or higher balloon values. Always compare it with PCP to ensure it's the right fit.

How much could I save on monthly payments for an Audi RS5 by using Prefinance?

Customers often find significant savings by using Prefinance compared to standard dealer finance for prestige vehicles like the Audi RS5. By comparing multiple specialist brokers, we help bypass high dealer commissions and secure lower car finance interest rates. While savings vary, customers can often save between £35 to £50 per month, potentially adding up to thousands over a typical 4-year agreement.

Best finance deals AudiRS5

The best used Audi RS5 finance deals

Use our Audi RS5 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 RS5 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%.

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Why choose an Audi RS5?

The Audi RS5 carves out a unique niche in the used car market, standing as a testament to high-performance luxury that's now more accessible. It's the perfect choice for the discerning driver who craves exhilarating speed and razor-sharp handling, wrapped in a sophisticated, understated package. This isn't just a car; it's a statement for those who appreciate German engineering and want a thrilling daily driver or a potent weekend warrior without the new car price tag.

Under the hood, the RS5 boasts a potent 2.9-liter twin-turbo V6, delivering 444 horsepower and rocketing from 0-60 mph in a blistering 3.7 seconds. Its legendary Quattro all-wheel drive system ensures exceptional grip and confidence in all conditions, while the sport-tuned suspension provides an engaging driving experience. Inside, the cabin exudes premium quality with Nappa leather sport seats, Audi's Virtual Cockpit offering customizable digital displays, and advanced infotainment. As a used purchase, the RS5 represents incredible value, offering supercar-rivalling performance and a lavish interior for a fraction of its original cost, making it an intelligent acquisition for performance enthusiasts.

Financing a RS5:

The Audi RS5 stands out as an exceptional choice for financing, primarily due to its strong residual values and enduring desirability. This means your investment holds its value better over time, a significant advantage for those opting for Personal Contract Purchase (PCP) finance. Lower depreciation translates to lower monthly payments, making the dream of owning an RS5 more attainable.

We offer competitive APR rates starting from just 7.9%, with a representative APR of 8.9%. Our flexible terms allow us to finance RS5 models of various ages, ensuring you can find the perfect car to fit your budget. Our advanced comparison technology works to find the best lender and most suitable finance package for each specific vehicle. Discover how accessible an Audi RS5 can be – try a comparison today!

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Audi RS5 finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Audi RS5 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

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Latest Audi RS5 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
2021 Audi RS5 20,667 miles 29th Sep 2026 More details	£39,377 £3,938 deposit over 48 months	9.4%	£588.03	£17,515	£53.18

Calculations based on the last 1 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.

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Audi PCP and HP Finance for all UK models

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