Menu

Business Car Finance

  1. Home
  2. Finance & Insurance
  3. Business Finance
Facebook Twitter

Your business success is our success

Whether you're a sole trader or large company, Volkswagen Financial Services can help tailor your vehicle finance to suit your needs. Drive your business forward with the right car at a competitive price.1

Flexible business options

Flexible business options2

Volkswagen Financial Services offers two tax-effective solutions for your business: Chattel Mortgage or Finance Lease. Check out the below table to see what's included.

  Chattel Mortgage Finance Lease
Deposit +  
Residual or balloon payment at the end of the term + +
Tax-deductible repayments   +
Tax-deductible depreciation +  
Tax-deductible interest +  
GST is payable on the cost of the asset +  
GST is payable on the repayments   +

The difference between
financing vs leasing for businesses

When it comes to getting a car for your business, one of the first things you need to decide on is whether to buy or lease your chosen vehicle. Both options have their benefits, depending on how you plan to use your vehicle. Let’s look at the pros and cons of each.

Finance for Farmers

At Volkswagen Financial Services, we understand that running a farming business comes with its own unique set of challenges. Seasonal conditions, shifting markets, and the unpredictability of agriculture can make managing cash flow a little harder than in other industries. That’s why we’ve designed flexible finance options specifically for primary producers.

With our tailored approach, you have the ability to structure your repayments in a way that suits your business. Whether your income comes in monthly, quarterly, or even annually, we’ll work with you to create a finance plan that aligns with your cash flow cycle. This gives you greater freedom to focus on your operations, knowing your repayments are scheduled to match when funds are actually coming in.

Our finance solutions provide more than just flexibility—they give farmers confidence, stability, and peace of mind when planning ahead. We believe in supporting local primary producers by offering options that truly reflect the realities of working on the land.

Please note: this structured repayment option is exclusively available for eligible primary producer applicants and is not offered under a standard Consumer Loan Finance product.

Flexible business options
Financing

Financing

Buying a car is a significant expense, and repayments are not usually tax deductible, which can make financing a new vehicle more expensive in the short-term.

However, buying a car has several benefits that leasing doesn’t offer – most obviously being that you ultimately end up owning a long-term asset. And while your loan repayments may not be tax deductible, interest repayments qualify as business expenses.

Additionally, petrol, mileage and maintenance expenses can be written off, and insurance and liability costs are typically cheaper on vehicles owned by your business.

Leasing

Leasing

Most business owners prefer to lease their vehicles, and it’s easy to see why. Lease repayments are usually less than monthly loan repayments and are tax deductible.

This means that in the short term, leasing a vehicle is a more affordable option, and it gives business owners the freedom to upgrade their vehicle to a newer model at the end of their lease term if they choose.

It is however worth noting that while the monthly payments may be more affordable, they don’t add up to an asset for your business.

It's well worth doing a cost-benefit analysis before you commit either way, taking note of the car’s total cost over the car loan or lease term including:

  • Monthly payments, including interest
  • Anticipated mileage
  • Maintenance, fuel, insurance, parking and other related costs
  • The value of the car at the end of the lease vs. the ownership period.

Your Benefits

Business Finance Benefits
  • No annual charges or account keeping fees.
  • Option to bundle your registration, Compulsory Third Party insurance (CTP), comprehensive insurance and on-road costs with your monthly payments.
  • Monthly repayments reduced by adding a balloon payment at the end of your loan or paying a deposit.
  • Flexible payment options that suit your business cash flow: weekly, fortnightly or monthly by direct debit or BPAY.

More clever business finance solutions

Team of hard workers

Team of hard workers

Once you've picked your perfect Volkswagen fleet, our Financial Services team can set up an arrangement that suits you and your business.

Explore Fleet Solutions
No fleet too small

No fleet too small

Need company cars for your small to medium business? With an SME Operating Lease, you can access the same leasing benefits as larger companies, with no minimum fleet size.

Explore SME Operating Lease
Contact the team at Griffith City Volkswagen

Disclaimer by Volkswagen

1. The information provided on this website by Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344 is of a general nature and for information only. Nothing on our website is to be considered legal, financial or taxation advice. You should seek your own independent legal, financial and/or taxation advice about any of our products and services feature on this website, to ensure your personal circumstances are fully considered.

2. For approved applicants of Volkswagen Financial Services (VFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Excludes other offers. While stock lasts. Fees, charges, T&C’s apply. VFS may extend, withdraw or change offer at any time.

3. Calculations are estimates provided as a guide only and not a loan approval. They assume interest rates don’t change over the life of the loan. Applications are subject to credit approval and eligibility criteria being met.

App-Connect is compatible with selected apps and the latest smartphone versions of iOS and Android. Active data service is required. For USB connections, a connection cable is sold separately. For wireless connections, App-Connect features wireless Apple CarPlay® and wireless Android Auto™.

All images displayed on this page are for illustrative purposes only and may include overseas models, optional equipment and features not available in Australia. Actual vehicles may differ. Please confirm final specifications and features with an authorised Volkswagen Dealer prior to purchase.

Safety technologies are designed to assist the driver, but should not be used as a substitute for safe driving practices.

Leather appointed seats have a combination of genuine and artificial leather, but are not wholly leather.

With rear seat in the forward position.

Fuel consumption figures according to ADR 81/02 derived from laboratory testing. Factors including but not limited to driving style, road and traffic conditions, environmental influences, vehicle condition and accessories fitted, will in practice in the real world lead to figures which generally differ from those advertised. Advertised figures are meant for comparison amongst vehicles only.

The figures stated are for the purposes of comparison amongst vehicles tested under the same testing procedures only. The actual figure may vary depending on multiple factors such as fuel quality, vehicle load, environmental and road conditions.