A Credit Agreement is one of the simplest and most popular ways for motorists to finance a new or used vehicle.

  • Loan terms from 6 months to 5 years
  • Fixed Interest rate
  • No annual fees
  • Secure the loan with your Vehicle - no additional security required
  • Reduce your monthly repayments by having a combination of structured mid-term balloon payments, balloon payment at the end or paying a deposit (for approved applicants)

Deposit & Trade-in

A Credit Agreement enables you to place a deposit towards the purchase, either as cash or by using equity in your current vehicle as a trade-in.

Flexible Terms

Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract, if we agree. This gives you the ability to tailor your repayments to best suit your budget and your vehicle trading cycle.

Credit Agreement Lifecycle

Deposit > Monthly Payments > Ownership

Agreement Samples

Samples of our agreements can be found here:

Consumer Credit Sample        Business Credit Sample  

Please refer to our Rates & Fees page for current Interest Rates; Fees and Charges.

How to Apply

To apply for either a Consumer or Business Credit Agreement, please download an application form and contact your nearest Volkswagen, Audi or Skoda dealership to discuss quote options.

When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

European Financial Services Ltd

Trading as Volkswagen Finance; Audi Finance; Skoda Finance & Exclusive Automotive Finance, we were established in 2004 and are part of the Giltrap Group of companies.

Get in touch!

Phone:       0800 600 122

Fax:            0800 600 126


Please click here for more contact details.