How can Prefinance help me get a better Audi S4 car finance deal than a dealership?

Main Audi dealerships typically work with a limited number of lenders, often leading to higher car finance interest rates. Prefinance, as a comparison service, connects you with multiple specialist finance brokers who can access a wider panel of lenders. This competition helps us find you a more competitive car finance quote, potentially saving you a significant amount compared to the average dealer APR of 12.6% for an Audi S4.

What types of car finance options are available for an Audi S4 through Prefinance?

When financing an Audi S4 through Prefinance, you can compare a range of popular car finance types, including PCP (Personal Contract Purchase), HP (Hire Purchase), and Lease Purchase. Our technology helps match your specific vehicle and financial circumstances to the broker most likely to offer the best rates for each product. This ensures you have flexibility in choosing the best car finance option for your needs.

Can I get no-deposit car finance for an Audi S4?

Yes, it's often possible to arrange no-deposit car finance for an Audi S4 through the specialist brokers we work with. While a deposit can sometimes reduce your monthly payments, many lenders understand the need for flexibility. Our car finance calculator allows you to explore options with and without a deposit to find a solution that fits your budget.

How much could I save on my monthly Audi S4 payments with Prefinance?

By using Prefinance to compare car finance providers, you could make substantial savings on your Audi S4. On average, our customers save £62 per month compared to standard dealer finance. Over the term of an agreement, this can add up to an average total saving of £2991, making your Audi S4 ownership more affordable.

What is a PCP finance calculator and how does it work for an Audi S4?

A PCP finance calculator, like the one on Prefinance, helps you estimate your monthly payments for an Audi S4 under a Personal Contract Purchase agreement. It considers factors like the car's price, your deposit, the term length, and the predicted residual value (or balloon payment) of the S4. This allows you to see how different variables impact your potential monthly outgoings and total cost.

What is Lease Purchase and is it suitable for an Audi S4?

Lease Purchase is a car finance option that combines elements of both HP and PCP. It features lower monthly payments due to a deferred 'HP balloon' payment at the end of the agreement, similar to PCP. However, unlike PCP, there's no option to return the car; you're committed to paying the balloon payment to own the Audi S4. It's often suitable for those who intend to own the vehicle long-term and prefer lower monthly costs.

How do Audi S4 car finance interest rates compare between Prefinance and a dealership?

Typically, the car finance interest rates offered by dealerships for an Audi S4 average around 12.6% APR. Through Prefinance, our network of specialist brokers offers rates starting from 7.9% APR (representative APR 8.9%). This significant difference in car finance APR can lead to considerable savings over the life of your finance agreement, making your S4 more accessible.

Can I get finance for an older Audi S4 model?

Yes, securing car finance for older Audi S4 models is often possible through the specialist brokers available via Prefinance. Unlike some mainstream lenders, our partners understand the value and appeal of well-maintained older performance vehicles. We can help you compare car finance deals even for models that might be considered too old by other finance providers.

What is a balloon payment in PCP car finance for an Audi S4?

In PCP car finance for an Audi S4, the balloon payment is a large, optional lump sum payment due at the end of your agreement. It represents the Audi S4's guaranteed minimum future value. This payment helps keep your monthly instalments lower throughout the term, as you're effectively only financing the depreciation of the vehicle. At the end, you can pay it to own the car, return the car, or refinance it.

Can I arrange Audi S4 finance before I visit a showroom?

Absolutely! Using Prefinance allows you to get a car finance quote and arrange your Audi S4 finance before you even step into a showroom. This puts you in a stronger negotiating position, as you'll know exactly what you can afford and what your monthly payments will be. It streamlines the buying process and helps you secure the best car finance low APR deal upfront.

Best finance deals AudiS4

The best used Audi S4 finance deals

Use our Audi S4 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 S4 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 S4?

The used Audi S4 carves out a unique and highly desirable niche in the performance sedan market. It's the perfect sweet spot for enthusiasts who crave exhilarating performance and sophisticated luxury without the ostentatious price tag of a brand-new high-performance vehicle. For those seeking a daily driver that can thrillingly tackle winding roads and comfortably cruise on long journeys, the S4 offers an unbeatable blend of dynamism and refinement.

Under the hood, most recent generations of the S4 boast a supercharged or turbocharged V6 engine, delivering robust acceleration (0-60 mph in under 4.7 seconds for B8.5 and B9 generations) and a symphony of power. Its Quattro all-wheel-drive system ensures exceptional grip and confident handling in all conditions, while the sport-tuned suspension offers a perfect balance of comfort and agility. Inside, the S4 delights with premium materials, supportive sport seats, and advanced technology like Audi's MMI infotainment system and available Virtual Cockpit, creating a truly upscale experience. As a used purchase, the S4 represents outstanding value, offering a significant discount over its new price while retaining much of its performance, luxury, and build quality. Its understated yet aggressive styling, highlighted by distinctive S-model cues, further cements its status as a standout choice.

Financing a S4:

The Audi S4 isn't just a thrilling drive; it's a smart choice for financing. Its strong residual values and enduring desirability mean it holds its value well. This is fantastic news for PCP (Personal Contract Purchase) customers, as it often translates to lower monthly payments and more equity at the end of your term.

We make financing your S4 straightforward and accessible. Our APR rates start from a competitive 7.9%, with a representative APR of 8.9%. We offer flexible terms, and our advanced comparison technology works to find the very best lender for your chosen S4, no matter its age. Discover how affordable your dream S4 can be – try a comparison today!

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Audi S4 finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Audi S4 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 S4 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
2023 Audi S4 45,433 miles 3rd Feb 2026 More details	£33,990 £3,399 deposit over 48 months	8.9%	£510.02	£14,463.75	£75.58
2023 Audi S4 45,433 miles 3rd Feb 2026 More details	£33,990 £3,399 deposit over 48 months	8.9%	£510.02	£14,463.75	£75.58
2022 Audi S4 3.0 TDI V6 Tiptronic quattro Euro 6 (s/s) 4dr 28,300 miles 17th Dec 2025 More details	£33,990 £3,399 deposit over 48 months	8.9%	£529.14	£13,393.31	£35.78

Calculations based on the last 3 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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