The Journey Starts Here
VW_FinBroch v0612 www.volkswagenfinance.com.au
Volkswagen Finance Volkswagen Finance offers a vast range of products that are as innovative and attractive as the cars themselves. This is hardly surprising given that we’ve been helping our customers fulfil their dreams for over sixty years. As you’d expect from such experience, we’ve learned a thing or two about the people who buy our cars, so helping you tailor a package that suits your needs and budget is second nature to us. Our products include leasing, finance and insurance for both the corporate and private buyer.
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Volkswagen Finance Volkswagen Finance offers a vast range of products that are as innovative and attractive as the cars themselves. This is hardly surprising given that we’ve been helping our customers fulfil their dreams for over sixty years. As you’d expect from such experience, we’ve learned a thing or two about the people who buy our cars, so helping you tailor a package that suits your needs and budget is second nature to us. Our products include leasing, finance and insurance for both the corporate and private buyer.
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This table offers you a brief summary of our innovative finance solutions. Each option has distinct advantages depending on your specific circumstances and will be tailored to suit your individual requirements.
Volkswagen Finance Ultimate Choice Volkswagen Finance offers the ultimate flexibility and a range of cost-effective ways to purchase or lease a Volkswagen vehicle. No matter which one of our finance solutions you choose, we offer you options so you can tailor your package to suit your individual requirements: Case by case approvals Rather than rely on a computer to assess your application we rely on people. Our credit team analyses all factors associated with your application to ensure the solution is right for you.* Fast approval times You will be notified of your approval within the same business day.** Easy repayment options Your choice of Direct Debit or BPAY. No account keeping fees Combined with fixed interest rates, this means you always know what your financial commitments are.
* Customers should consult their accountant for specific advice. ** Subject to availability and detail of information provided.
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Solutions for all types of customers Our products are specifically designed to cater to a range of customer needs, whether they are individuals or businesses. Choice of term You determine how quickly you wish to pay off your vehicle, from 1 to 7 years (depending on the product). Customer rewards and special offers Once you are a Volkswagen customer, you become eligible for exclusive rewards and offers. Reliability Feel secure in the knowledge that you’re being looked after by a respected, well established brand with more than 60 years experience.
Hire Purchase
Loan Suitable for private purpose vehicles
Chattel Mortgage
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Suitable for business purpose vehicles
Novated Lease
Finance Lease
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Low initial outlay1
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Fixed budgeting
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Choice of term 1
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•
•
•
•
Residual/balloon or final payment
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•
•
•
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Lease payments are made from pre-tax income
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Interest payments may be made from pre-tax income 2
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Finance your on-road and registration costs
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•
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Finance your motor vehicle related insurance costs 3
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Finance your insurance costs 4
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1 Subject to our credit criteria 2 Customers should consult their accountant for specific advice 3 e.g. Asset Equity Motor 4 e.g. Loan Protection Cover
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This table offers you a brief summary of our innovative finance solutions. Each option has distinct advantages depending on your specific circumstances and will be tailored to suit your individual requirements.
Volkswagen Finance Ultimate Choice Volkswagen Finance offers the ultimate flexibility and a range of cost-effective ways to purchase or lease a Volkswagen vehicle. No matter which one of our finance solutions you choose, we offer you options so you can tailor your package to suit your individual requirements: Case by case approvals Rather than rely on a computer to assess your application we rely on people. Our credit team analyses all factors associated with your application to ensure the solution is right for you.* Fast approval times You will be notified of your approval within the same business day.** Easy repayment options Your choice of Direct Debit or BPAY. No account keeping fees Combined with fixed interest rates, this means you always know what your financial commitments are.
* Customers should consult their accountant for specific advice. ** Subject to availability and detail of information provided.
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Solutions for all types of customers Our products are specifically designed to cater to a range of customer needs, whether they are individuals or businesses. Choice of term You determine how quickly you wish to pay off your vehicle, from 1 to 7 years (depending on the product). Customer rewards and special offers Once you are a Volkswagen customer, you become eligible for exclusive rewards and offers. Reliability Feel secure in the knowledge that you’re being looked after by a respected, well established brand with more than 60 years experience.
Hire Purchase
Loan Suitable for private purpose vehicles
Chattel Mortgage
•
Suitable for business purpose vehicles
Novated Lease
Finance Lease
• •
•
•
•
Low initial outlay1
•
•
•
•
•
Fixed budgeting
•
•
•
•
•
Choice of term 1
•
•
•
•
•
Residual/balloon or final payment
•
•
•
•
•
Lease payments are made from pre-tax income
•
Interest payments may be made from pre-tax income 2
•
•
Finance your on-road and registration costs
•
•
•
•
•
Finance your motor vehicle related insurance costs 3
•
•
•
•
•
Finance your insurance costs 4
•
•
•
•
•
1 Subject to our credit criteria 2 Customers should consult their accountant for specific advice 3 e.g. Asset Equity Motor 4 e.g. Loan Protection Cover
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Volkswagen Finance Ultimate Ownership Volkswagen Consumer Loan This is an easy, effective way of spreading the cost of your Volkswagen vehicle. It’s a loan that provides great flexibility by allowing you to: – Choose the term, from one to seven years, that best suits you – Set a final lump sum (sometimes referred to as the balloon payment), or elect not to have one – Select from weekly, fortnightly or monthly repayments – Opt to pay an initial deposit thereby reducing your repayments – Include registration, insurance and on-road costs in the loan
Volkswagen Chattel Mortgage This is an innovative finance method that has been specifically designed to cater to small business owners. Unlike Hire Purchase, a Chattel Mortgage gives you ownership of your vehicle from the outset of your contract but without any capital outlay. You choose the term and spread the purchase cost over this time. If you wish, you can even finance your registration, insurance and on-road costs. The equity you build up in the vehicle remains yours and, depending on your business circumstances, interest may be tax deductible.*
Better still, you can rest easy knowing that there’ll be no unwanted surprises along the way as your interest rate is fixed for the duration of the contract. Once your contract is completed you’ll own your car outright. Volkswagen Hire Purchase If you’re in business and you primarily use your car for work, this could be of interest to you.* You can tailor your repayments to suit your cash flow and opt to pay an initial deposit or a balloon payment at the end of the contract. You choose a term between one and five years and once you complete the contract the vehicle becomes yours. While you should seek the assistance of a qualified accountant, Volkswagen Hire Purchase may provide you with tax deductions if you use your vehicle to generate income.
* Customers should consult their accountant for specific advice.
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Volkswagen Finance Ultimate Ownership Volkswagen Consumer Loan This is an easy, effective way of spreading the cost of your Volkswagen vehicle. It’s a loan that provides great flexibility by allowing you to: – Choose the term, from one to seven years, that best suits you – Set a final lump sum (sometimes referred to as the balloon payment), or elect not to have one – Select from weekly, fortnightly or monthly repayments – Opt to pay an initial deposit thereby reducing your repayments – Include registration, insurance and on-road costs in the loan
Volkswagen Chattel Mortgage This is an innovative finance method that has been specifically designed to cater to small business owners. Unlike Hire Purchase, a Chattel Mortgage gives you ownership of your vehicle from the outset of your contract but without any capital outlay. You choose the term and spread the purchase cost over this time. If you wish, you can even finance your registration, insurance and on-road costs. The equity you build up in the vehicle remains yours and, depending on your business circumstances, interest may be tax deductible.*
Better still, you can rest easy knowing that there’ll be no unwanted surprises along the way as your interest rate is fixed for the duration of the contract. Once your contract is completed you’ll own your car outright. Volkswagen Hire Purchase If you’re in business and you primarily use your car for work, this could be of interest to you.* You can tailor your repayments to suit your cash flow and opt to pay an initial deposit or a balloon payment at the end of the contract. You choose a term between one and five years and once you complete the contract the vehicle becomes yours. While you should seek the assistance of a qualified accountant, Volkswagen Hire Purchase may provide you with tax deductions if you use your vehicle to generate income.
* Customers should consult their accountant for specific advice.
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Volkswagen Finance Think Differently
Volkswagen Novated Lease (Salary Packaging) If you’re an employee seeking tax benefits, a Novated Lease may be a smart way to finance your vehicle. And if you’re an employer, a Novated lease can be a simple, cost-effective way to add value to your employees’ remuneration packages. Put simply, it’s an agreement between the employee, employer and Volkswagen Finance that allows employees to lease a new Volkswagen from their pre-tax salary. Running costs and Fringe Benefits Tax can also be paid pre-tax by the employer and registration, vehicle insurance and on-road costs can be included as part of the package.
A Novated Lease offers a number of benefits, including: – Fixed repayments and interest rates – Your choice of term from one to five years – Flexibility with the choice of vehicle – The opportunity to lease more than one vehicle – Possible tax benefits even though your vehicle is used for private purposes
Volkswagen Finance Lease Our lease is designed to give businesses as much financial flexibility as possible. You determine your payment terms and, at the end of the lease, there are a number of options available to you, including trading your Volkswagen in to buy or lease a new one. In some circumstances you can even use a Volkswagen Lease to finance a used vehicle.
A Novated Lease agreement specifies that the employer assumes the responsibility for lease payments (other than the residual value payment) for the period of the lease or until the employee leaves his or her employment, in which case the obligation to make the lease payments passes back to the employee. Naturally, you should consult your accountant for more detailed tax advice.
Budgeting is also easier thanks to our fixed interest rates, which mean that your repayments remain the same throughout the term of the lease. Your accountant will be able to detail any potential tax benefits that may arise from leasing your vehicle.*
* Customers should consult their accountant for specific advice.
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Volkswagen Finance Think Differently
Volkswagen Novated Lease (Salary Packaging) If you’re an employee seeking tax benefits, a Novated Lease may be a smart way to finance your vehicle. And if you’re an employer, a Novated lease can be a simple, cost-effective way to add value to your employees’ remuneration packages. Put simply, it’s an agreement between the employee, employer and Volkswagen Finance that allows employees to lease a new Volkswagen from their pre-tax salary. Running costs and Fringe Benefits Tax can also be paid pre-tax by the employer and registration, vehicle insurance and on-road costs can be included as part of the package.
A Novated Lease offers a number of benefits, including: – Fixed repayments and interest rates – Your choice of term from one to five years – Flexibility with the choice of vehicle – The opportunity to lease more than one vehicle – Possible tax benefits even though your vehicle is used for private purposes
Volkswagen Finance Lease Our lease is designed to give businesses as much financial flexibility as possible. You determine your payment terms and, at the end of the lease, there are a number of options available to you, including trading your Volkswagen in to buy or lease a new one. In some circumstances you can even use a Volkswagen Lease to finance a used vehicle.
A Novated Lease agreement specifies that the employer assumes the responsibility for lease payments (other than the residual value payment) for the period of the lease or until the employee leaves his or her employment, in which case the obligation to make the lease payments passes back to the employee. Naturally, you should consult your accountant for more detailed tax advice.
Budgeting is also easier thanks to our fixed interest rates, which mean that your repayments remain the same throughout the term of the lease. Your accountant will be able to detail any potential tax benefits that may arise from leasing your vehicle.*
* Customers should consult their accountant for specific advice.
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Volkswagen Insurance Peace of Mind Volkswagen Motor Vehicle Cover This is a comprehensive, no-nonsense insurance policy with a wide range of benefits. For starters, you decide whether you wish to cover your Volkswagen for the market value or set an agreed value. The policy also includes other benefits such as: – An Emergency Repair Authority to permit essential temporary repairs up to $500 – Genuine Volkswagen parts – Choice of repairer or preferred repairer – New-for-old replacement if your vehicle is declared a total loss within three years of original registration.* Volkswagen Motor Vehicle Cover can be financed as part of your vehicle loan or, if you’d prefer to pay for it separately, we can help arrange flexible payment terms. Volkswagen Loan Protection Cover This insurance has been designed to cover your monthly loan repayments in the event that your earning capacity diminishes through no fault of your own, such as involuntary unemployment, accident, trauma or even death, subject to agreed terms.
Volkswagen Asset Equity Cover Having your car written off is bad enough but having it underinsured is even worse. This policy covers you against such shortfalls and other out-of-pocket expenses agreed to in your policy. Volkswagen Purchase Price Insurance This insurance bridges the gap between the total loss payment made by your comprehensive motor vehicle insurance and the price you paid for your vehicle. It covers you for four years and has four different levels of cover. Volkswagen Tyre and Rim Cover You can enjoy the security of knowing your tyres and rims will be repaired or replaced when they’re damaged as a result of punctures, blowouts or damage by kerbs, potholes or roadside debris. There are two levels of coverage, offering you choice of what cover best suits you. We even offer the option for emergency accommodation cover when you’re over 200km from home when an accident occurs. As you’d expect, our insurance covers are written clearly and concisely, but if you have any general questions about the covers consult your participating Volkswagen Insurance Dealer.
ALL SHAPES & SIZES
We love Volkswagen cars but we understand that sometimes people fall in love with other brands. Buying a different make of car doesn’t mean you have to miss out on our financial expertise. We can help you with solutions on virtually any car you might be interested in.
Volkswagen Finance As you’ve seen, Volkswagen Finance offers a wide range of clever financial products for both the corporate and private buyer, which you can tailor to suit your circumstances and requirements. So no matter what you’re looking for, we’ll be able to help you. For further details about any of our products, please see your Volkswagen Finance Dealer, they’ll be happy to show you how best to turn your dream into reality. Alternatively, you can contact us on 1800 799 689 or find us on our website: www.volkswagenfinance.com.au Important Information Volkswagen Finance is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344(Volkswagen Finance) Locked Bag 6252, Regents Park NSW 2143. www.volkswagenfinance.com.au Volkswagen Finance and authorised dealers arrange Volkswagen Insurance products as agent of Allianz Australia Insurance Limited AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). Volkswagen Motor Vehicle, Asset Equity, Purchase Price and Tyre and Rim Insurance are issued by Allianz. Volkswagen Loan Protection Insurance is issued by the following insurers for the covers indicated. The Disability and Involuntary Unemployment covers of this insurance are issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708, (Allianz). The Trauma and Death cover of this insurance is provided by Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782, AFS Licence No. 296559. Allianz acts as Allianz Life’s agent in offering and administering the Trauma and Death cover. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about it please refer to the relevant Product Disclosure Statement, available from your authorised Volkswagen Insurance Dealer. Volkswagen Financial Services maintains the right to amend any information and product at any time without prior notification or obligation. The information in this brochure is of a general nature and for information only. Cars and accessories shown may not depict Australian specifications. Nothing in this brochure constitutes or should be considered to constitute legal, taxation or financial advice. You should obtain your own independent legal, tax and financial advice. If you purchase this insurance, Volkswagen Finance and the authorised dealer will receive a commission that is a percentage of the premium. Ask for more details before you are provided with any services on the relevant product. * New for old replacement is only if the same make, model and series of vehicle is available in Australia. Please refer to the Volkswagen Motor Vehicle Cover product disclosure statement for full conditions.
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Volkswagen Insurance Peace of Mind Volkswagen Motor Vehicle Cover This is a comprehensive, no-nonsense insurance policy with a wide range of benefits. For starters, you decide whether you wish to cover your Volkswagen for the market value or set an agreed value. The policy also includes other benefits such as: – An Emergency Repair Authority to permit essential temporary repairs up to $500 – Genuine Volkswagen parts – Choice of repairer or preferred repairer – New-for-old replacement if your vehicle is declared a total loss within three years of original registration.* Volkswagen Motor Vehicle Cover can be financed as part of your vehicle loan or, if you’d prefer to pay for it separately, we can help arrange flexible payment terms. Volkswagen Loan Protection Cover This insurance has been designed to cover your monthly loan repayments in the event that your earning capacity diminishes through no fault of your own, such as involuntary unemployment, accident, trauma or even death, subject to agreed terms.
Volkswagen Asset Equity Cover Having your car written off is bad enough but having it underinsured is even worse. This policy covers you against such shortfalls and other out-of-pocket expenses agreed to in your policy. Volkswagen Purchase Price Insurance This insurance bridges the gap between the total loss payment made by your comprehensive motor vehicle insurance and the price you paid for your vehicle. It covers you for four years and has four different levels of cover. Volkswagen Tyre and Rim Cover You can enjoy the security of knowing your tyres and rims will be repaired or replaced when they’re damaged as a result of punctures, blowouts or damage by kerbs, potholes or roadside debris. There are two levels of coverage, offering you choice of what cover best suits you. We even offer the option for emergency accommodation cover when you’re over 200km from home when an accident occurs. As you’d expect, our insurance covers are written clearly and concisely, but if you have any general questions about the covers consult your participating Volkswagen Insurance Dealer.
ALL SHAPES & SIZES
We love Volkswagen cars but we understand that sometimes people fall in love with other brands. Buying a different make of car doesn’t mean you have to miss out on our financial expertise. We can help you with solutions on virtually any car you might be interested in.
Volkswagen Finance As you’ve seen, Volkswagen Finance offers a wide range of clever financial products for both the corporate and private buyer, which you can tailor to suit your circumstances and requirements. So no matter what you’re looking for, we’ll be able to help you. For further details about any of our products, please see your Volkswagen Finance Dealer, they’ll be happy to show you how best to turn your dream into reality. Alternatively, you can contact us on 1800 799 689 or find us on our website: www.volkswagenfinance.com.au Important Information Volkswagen Finance is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344(Volkswagen Finance) Locked Bag 6252, Regents Park NSW 2143. www.volkswagenfinance.com.au Volkswagen Finance and authorised dealers arrange Volkswagen Insurance products as agent of Allianz Australia Insurance Limited AFS Licence No. 234708, ABN 15 000 122 850 (Allianz). Volkswagen Motor Vehicle, Asset Equity, Purchase Price and Tyre and Rim Insurance are issued by Allianz. Volkswagen Loan Protection Insurance is issued by the following insurers for the covers indicated. The Disability and Involuntary Unemployment covers of this insurance are issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708, (Allianz). The Trauma and Death cover of this insurance is provided by Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782, AFS Licence No. 296559. Allianz acts as Allianz Life’s agent in offering and administering the Trauma and Death cover. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about it please refer to the relevant Product Disclosure Statement, available from your authorised Volkswagen Insurance Dealer. Volkswagen Financial Services maintains the right to amend any information and product at any time without prior notification or obligation. The information in this brochure is of a general nature and for information only. Cars and accessories shown may not depict Australian specifications. Nothing in this brochure constitutes or should be considered to constitute legal, taxation or financial advice. You should obtain your own independent legal, tax and financial advice. If you purchase this insurance, Volkswagen Finance and the authorised dealer will receive a commission that is a percentage of the premium. Ask for more details before you are provided with any services on the relevant product. * New for old replacement is only if the same make, model and series of vehicle is available in Australia. Please refer to the Volkswagen Motor Vehicle Cover product disclosure statement for full conditions.
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The Journey Starts Here
VW_FinBroch v0612 www.volkswagenfinance.com.au
