Audi RS6 Finance Calculator: APRs and Pricing

You've found the RS6 Avant. Twin-turbo V8, four doors, quattro grip in the wet — and a dealer finance quote that looks either brilliant or slightly eye-watering, depending on the day you're having. The trouble is you've got no easy way to tell which.

That's the gap Prefinance fills. We take the dealer's own finance example for the exact car you're looking at and compare it against the best available rate from our panel of finance brokers for that type of vehicle. On average, that comparison can turn up savings of up to 30% against dealer finance — though, as with any average, it varies by make, lender and your own circumstances, and sometimes the dealer's already got a genuinely good deal on the table. Rates and calculations correct at time of posting but are subject to change.

Real RS6 finance examples

Here's what that comparison actually looks like on the RS6 Avant. These are live examples pulled from Prefinance's own RS6 Avant page — real cars, real dealer prices, real Prefinance panel rates — not a hypothetical scenario:

Across Audi finance generally (not RS6-specific), Prefinance customers have seen an average APR of 8.81% through our panel against a dealer average of 12.12%, working out to an average monthly saving of £59.26 and an average total saving of £2,738.09, based on 311 comparisons. One RS3 owner, Sophie from Maidenhead, told us: "I saved over £2,900 on my Audi RS3 finance. This made a massive difference to my payments." That's one person's result, not a promise of what you'll get on an RS6 — your own saving depends on your credit profile, the lender, and the specific deal in front of you.

What's the difference between PCP and HP on a car like this?

Both are hire purchase in the legal sense — you don't own the RS6 until the last payment clears — but they split that cost differently. HP spreads the full price (minus deposit) over the term, so you're paying down actual ownership every month, which is why the monthly figure above is higher. PCP defers a chunk of the price to a Guaranteed (Minimum) Future Value at the end, which you can pay to keep the car, hand back, or put toward the next one — and that deferral is what makes the monthly payment lower.

One assumption worth flagging: Prefinance's instant comparison assumes the GFV on the new lender's deal matches the dealer's own GFV. If the broker you're matched with structures it differently, a higher or lower GFV changes your real monthly payment from the estimate.

Unregulated credit agreements

This matters more on an RS6 than on most cars Prefinance covers. Consumer credit agreements are only regulated by the FCA — with protections like the ones below — where the amount being borrowed is £60,260 or less. Look back at the table: the 2020 example with a £10,000 deposit sits at £59,995 of credit, just inside that line. Every other row, including both 2023 examples, sits above it. Borrow more than that threshold as an individual consumer and the agreement typically falls outside FCA regulation altogether, which is worth knowing before you assume the protections below automatically apply to your deal.

Where an agreement is regulated, PCP and HP on a car like this are structured as tripartite agreements: the dealer sells the car to the lender, and the lender then hires it back to you until the final payment clears. Because the lender is legally the buyer, they're expected to help put things right if the dealer supplies a poor-quality car — which in practice can mean unwinding the deal, or the lender leaning on the dealer, since lenders are often reluctant to keep funding dealers with poor service records. Two other protections worth knowing: once you've paid half the total amount payable, you can hand the car back with nothing further to pay (voluntary termination), and once you've paid a third, the finance company can't repossess the car without a court order first. None of this applies once you're borrowing above £60,260 — one more reason to check the amount of credit on your own quote, not just the monthly payment.

What about Lease Purchase?

Lease purchase is an unregulated agreement. Some RS6 buyers — particularly if you're financing through a business — look at Lease Purchase instead of PCP or HP. It works differently enough, and few enough RS6 buyers are in that position, that we won't cover the mechanics here. What's worth knowing is that Prefinance can't give you an instant Lease Purchase comparison the way it can for PCP and HP: you'd need to apply and get a quote directly from one of our panel brokers.

How does Prefinance actually work out the saving?

You give us the vehicle — by registration, by make and model, or by pasting in a link from a dealer site or a listings site like Autotrader, provided that page shows a finance example. We read the dealer's own quote and put it up against the best available rate from our broker panel for that type of vehicle. The comparison assumes you'd qualify for the panel's best rate (which depends on your credit profile) and that the dealer you're buying from is FCA authorised. You can also come back and see every comparison you've run before, not just your most recent one.

One term worth understanding here: representative APR means at least 51% of customers offered finance by that provider get that rate or better — it's a genuine benchmark, not a promise of what you personally will be offered.

What affects the rate you're actually offered?

Your credit score is the biggest lever, but it's not the only one. A bigger deposit lowers the amount you're borrowing and often the rate with it. A longer term usually means a lower monthly payment but more interest overall. The car's age matters too — the two RS6 examples above are financed at different rates partly because of the age gap. And one factor most buyers never think about: dealers and brokers earn commission for arranging your finance, and that commission is a genuine reason rates can vary between the exact same car at two different dealers. It's part of what our comparison is designed to expose.

If you want the maths behind a rate, a flat rate of 5% on £70,000 over four years works out to roughly £3,500 a year in interest — and as a rough rule of thumb, APR runs at close to double the flat rate, so a 5% flat rate typically shows up as something like a 9.8–9.9% APR.

What to check before you apply

1. Confirm the deposit and mileage in the comparison match the dealer's actual quote — Prefinance lets you edit the deposit, but a mismatch elsewhere skews the result.

2. Check whether your amount of credit falls above or below £60,260 — it changes which consumer protections actually apply to your agreement.

3. Ask what happens to your monthly payment if the matched lender's GFV differs from the dealer's — don't assume it'll be identical.

4. Read the broker's full representative example before you sign anything — it carries the exact figures for your deal, not the illustrative ones above.

5. If you're buying through a business and Lease Purchase is on the table, expect to apply for a quote rather than getting an instant comparison.

None of this tells you in advance whether the dealer's RS6 quote in front of you is already competitive or not — sometimes it is, especially where Audi's own subsidised rates or a dealer deposit contribution are in play. The only way to know for certain is to run the comparison on your specific car and see what the panel comes back with.