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Audi Financial Services

There's a reason Audi is defined by the ethos Vorsprung. It runs through everything that we do, from ground-breaking technology to innovative financial solutions. It's all about finding a way, in the pursuit of advancement. You will find our flexible financial options are designed to meet your every need - so you too can share in the Vorsprung philosophy.

Application for Installment Finance
Personal Details
Title * Initials * Surname *
Full Names *
Nationality *
Home Address
Tel (H) *
Tel (W)
Postal Address *
Previous Address *
Spouse Names
Next of Kin
ID No *
Date Married
Cell *
Email *
Period *
Spouse ID
Bond Details
Bond Holder
Property Value R
Purchase Price
Amount Outstanding
Instalment R /M
Date Purchased
Renting R
Employer Details
Employer *
Industry Type *
Employers Address *
Previous Employer
Salary Date *
Spouse Employer
Occupation *
Tel *
No of Years
No of Years
No of Years
Salary Details
Own Spouse Other
Basic Monthly *(excl Car Allow)
Car Allowance
Total Salary Basic & Car Allow
Monthly Commision
Net Take Home Pay *
Income other than Salary
Sources of other income
Bank Details
Bank Name *
Branch *
Name of Account Holder *
Account Type *
Branch Code *
Account number *
Settle Existing Account *
Account No. to settle
Household Income
Bond Payment / Rent
Vehicle Installments
Credit Card Repayments
Clothing Accounts
Policy / Insurance Payments
Transport Costs
Education Costs
Household Expenses
Household Surplus / Disposable income *
Are You Currently Liable As: *
If you have signed Surety or Co-Debtor Please Indicate the Full Amount Outstanding *
Total Monthly Household Expenses *
Specify Details *
Rates, Water & Electricity
Personal Loan Repayments
Furniture Accounts
Overdraft Repayments
Telephone Repayments
Food & Entertainment
Vehicle Details

I hereby give consent to the credit provider to make enquiries about my credit record with any credit agency and to obtain whatever Information on me they might require to process the application and obtain an insurance quote.

I hereby declare that all of the above information is true and correct.

Please read and fill in
Please read the text on the left and fill it in below

iContract is the latest innovation from Audi Financial Services where you can sign your finance agreement in a secure environment online prior to taking delivery of your new Audi.

As we understand how precious your time is, iContract is only a click away and enable you to read through and digitally sign all your documents at your own time and convenience.

Your iContract will guide you through the process in a user friendly way and also provide you with a summary of all the key points of your agreement.

It’s a simple, convenient and takes the hassle out of all the usual paperwork.

Once your documents have been prepared, you will be notified via sms or email of your account number and one-time pin. Just click on the link below and follow the prompts.

Purchase Price
Additional Surcharges
Balloon Payment
Interest Rate
Principal Financed   
Estimated Monthly Installment Repayments  
Final Balloon Payment  
Total Repayments  
Total Finance Cost  
Terms and Conditions

The finance calculator is a form of loan simulator and is NOT AN OFFER by Lindsay Saker Head Office, its management, employees, representatives, agents or affiliates of any kind. It is provided to you for information and convenience purposes only and does not constitute financial advice in any form or manner. It is a guide only, which is based on certain assumptions and approximations, and we do not guarantee the accuracy of any information thereof. Lindsay Saker Head Office, its management, employees, representatives, agents or affiliates DO NOT ACCEPT RESPONSIBILITY for any errors or omissions whatsoever in relation to the finance calculator, and DO NOT ACCEPT LIABILITY for any loss, damage, inconvenience experienced or otherwise, caused in respect of any reliance on the finance calculator or information on this website. The finance calculator will not pre-qualify you for any loan programs whatsoever.

Actual instalments on loans obtained with financial institutions will vary depending on: the current prime interest rate; the financial institution's variables; the type, condition and age of the vehicle; your credit rating with the financial institution concerned; the respective initiation fees; and the time period between the effective date of the loan and the first instalment payable. Please note that you should seek appropriate financial advice before concluding any loan agreements.

Managing your finance account has never been this easy with our new Account Services solution.

  • Register and log into a secure website.
  • Perform account administration online in real time, no phone calls, or special e-mails.
  • Draw your settlement, entire statement history at the click of a button - even an Amortisation Schedule!
  • Registration is simple and easy. You will require your ID / Passport number, as well as your Audi Financial Services Customer and Account numbers, both of which can be found on your account statement. If you don't have your account statement handy, please feel free to give us a call on the number listed below and we will gladly assist you.

Login to your Account Services (link:

Whether it belongs to you or the company, we offer a wide range of competitive finance and insurance plans, developed and tailored to your requirements. With Audi Financial Services you are dealing with people who have a close working relationship with your local dealer and who are as passionate about Audi as you are.

Instalment Sale

Instalment Sale is the simple, traditional route to financing vehicle ownership. It's convenient to arrange and offers flexible terms to suit your needs. Financing periods can be structured from 12 - 60 months or longer dependant on your personal needs.

Interest is calculated at either fixed or prime-linked rates

The goods must be fully insured during the agreement

There is no minimum deposit payable but may be dependent on current legislation and your credit profile


The benefits of choosing this agreement are:

You own the goods when you've paid the full amount

If the asset is used for business purposes, you can claim depreciation and the yearly interest paid against tax

You'll enjoy the benefit of any resale value

Optional Features

You may want to consider taking the following option with your finance package:

Eleven Month Payment

Balloon payment


Leasing a Audi gives you the right to use it for an agreed period, during which time you pay rentals. At the end of the term, you return the goods, acquire ownership or extend the lease.

Interest is calculated at either fixed or prime-linked rates

The goods must be fully insured during the agreement


The benefits of leasing accrue mainly if you're using the item for business, or in the generation of income.

Rentals can be claimed as expense against tax

You don't need to own the asset to use it

You avoid tying up working capital

Stepped payments, inflated rentals and other structures can be tailored to your needs

The deposit percentage and repayment period can be negotiated to suit you

Optional Features

Consider taking the following option with your finance package

Eleven Month Payment

Budgeting for a new or used car has never been so rewarding. With the visionary Eleven-Month Payment Plan, you are entitled to miss one month of payments and enjoy the freedom of using the money where and when you need it most.

You may elect one month of the year, which will remain consistent in each year over the term of your finance agreement in which you do not have to pay a normal instalment for that month.

The increase in your monthly repayments is less than 9% over the standard repayment plan without the Eleven Month payment plan.

In short, every year, while the deal runs, there is no payment required in the selected month.

This payment plan is available to all customers.

Imagine no car payment on your birthday or in December?

Balloon Payment

A balloon payment is an inflated instalment that is due at the end of the credit agreement. Under the NCA, a balloon payment can now be offered to any consumer on an instalment sale or lease agreement.

The balloon amount is traditionally associated with a projected estimate value. The estimate value is influenced by the length of the credit agreement, i.e. (i.e. 36, 48 or 60 months), and by the market sentiment toward the vehicle being financed. Since the risk associated with a balloon payment is borne by the customer, he/she is liable for the full balloon value in the final month of his/her contract. The balloon forms part of the payment stream.

Audisure Insurance

Audisure products provide essential protection for both you and your vehicle, enabling you to experience the joy of driving your Audi, leaving you safe in the knowledge that you’re fully prepared for whatever the future may hold. Our product range includes comprehensive insurance, debt protection, and shortfall cover.

Audisure Motor Comprehensive Insurance

What is Motor Comprehensive Insurance?

Audisure Motor comprehensive insurance is the most comprehensive, affordable motor insurance available from Volkswagen. This unique product is designed to give you peace of mind and value for money, ensuring that every stage of your motoring life with Audi will be hassle free.


Motor vehicle and personal lines cover.

The Audisure Motor vehicle and personal lines policy is suitable for anybody purchasing a new or used Audi and is conveniently available from any Audi Dealer in South Africa.

Audi Financial ServicesThe National Credit Act Summarised

The National Credit Act (NCA), came into effect on 1 June 2007. Among other things, it aims to protect the consumer from being granted credit recklessly, and to create a fair and non-discriminatory credit market.

Two new regulatory institutions have been established to administer the NCA: The National Credit Regulator (NCR) is the administrative regulator dealing with issues such as research and policy development, registration of industry participants and investigation of serious complaints. The NCR will take responsibility for the enforcement of the NCA. The National Consumer Tribunal (NCT) will conduct hearings into complaints relating to the NCA.

Why is the NCA being implemented?

The NCA aims to:

  • Ensure credit providers lend in a responsible manner
  • Prevent consumers committing themselves to more than they can repay
  • Protect consumers; regulate the granting of credit, and prevent over indebtedness and reckless credit. The NCA introduces such concepts as a National Credit Regulator, a National Consumer Tribunal, and a debt counselling service
  • Educate and help consumers make informed choices.

Which transactions are covered by the NCA?

The NCA applies to all credit products where payment is deferred and where interest or fee is payable. These include overdrafts, credit cards, instalment agreements, leases, secured loans and credit guarantees.

The NCA applies to credit agreements entered into with all natural persons and trusts that have less than 3 trustees where neither of the trustees is a juristic person.

It applies to all juristic persons that have an annual turnover or asset value of less than R1m, unless that juristic person enters into a credit agreement in excess of R250 000,00. Juristic persons include entities such as close corporations, companies, partnerships and trusts with 3 or more trustees or with less than 2 trustees where one of more of the trustees is juristic person.

The NCA does not apply to credit agreements entered into with the State or to juristic persons that have an asset value or annual turnover in excess of R1m.

How will the NCA affect you?

The NCA introduces fundamental consumer rights. These include:

  • The right to be given reasons for credit being refused or discontinued (reason(s) to be given in writing on request of the consumer)
  • The right to documentation that is required under the NCA in the official languages that will be prescribed by the Regulator. In this regard, credit providers must choose two official languages, which will then be assessed and approved by the National Credit Regulator.
  • The right to information in plain and understandable language
  • The right to have access to and to challenge credit records and information held by a credit bureau, to have incorrect records corrected and to be given notification before negative information is reported to the credit bureau.

Applying for credit under the NCA

Here is a list of the things that will change:

  • Quotations must disclose the full costs of the credit applied for including all fees.
  • The quotation is binding on the credit provider for 5 days. The consumer may however take up the Quotation before the expiry of the 5 day period. The consumer needs to provide detailed information (e.g. statement of income and costs, household budget) to the credit provider for a credit assessment to be done.
  • All information relating to the agreement and the account must be reported to a credit bureau. Credit providers also need to keep records of all credit applications and credit agreements for a prescribed period.
  • Where a consumer is married in community of property, the consent of his spouse must be obtained before entering into loan agreements – previously this was only necessary for credit agreements.

Application requirements: Credit providers must provide consumers with a Quotation and a pre-agreement statement, before entering into a credit agreement with a consumer. These documents contain the main features of the proposed agreement and a quotation of the costs.

Credit assessment: The consumer will be required to provide detailed information to the credit provider. This includes a detailed statement and proof of the consumer’s income and expenditure, a household budget and details of other credit commitments, in order to enable the credit provider to assess the consumer’s affordability and level of indebtedness.

Consumer credit records: The NCA requires the credit provider, upon entering or amending or terminating a credit agreement, to report the transaction to a credit bureau, or to the National Loans Register when it is operational.

Records: The NCA requires that credit providers keep records of all applications for credit, credit agreements and credit accounts for a prescribed time.

Payment of accounts: A consumer may pre-pay any amount owing at any time, and fully pay out the account at any time. In the case of agreements in excess of R250 000.00 this is subject to a termination charge of not more than three months’ interest, if the consumer has failed to give notice of its intention to settle the agreement.

Spouse's written consent: The NCA has amended the Matrimonial Property Act. The effect of this is that in the case of loan agreement the spouse of the consumer must consent to this in writing and this consent must be signed by two witnesses. Formally this applied to credit agreements such as instalment agreements and leases.

What interest rate will I be charged?

The NCA specifies the maximum interest rate that you can be charged. Within this boundary, Audi Financial Services will determine the interest rate by assessing your credit rating and credit history (the status of your finances – how much debt you have).

What other costs will I be liable for?

An initiation or processing fee – a once-off fee payable in cash or as part of the principle debt (whereupon interest will be charged), subject to the limitation set out in the NCA.

A service fee – as determined by your credit provider, subject to the limit as set out in the NCA.

Costs of optional extras – for example, the actual costs of:

  • an extended warranty;
  • delivery of the vehicle;
  • extras like a radio and air-conditioning;
  • your first tank of petrol;
  • credit life or credit insurance premiums;
  • default administration costs and collection charges; and interest


If you have a question about an aspect of Audi Financial Services, take a look through our Frequently Asked Questions below. We’ve collected together all the most common queries customers ask us about, so you may find the answer right here.

What information do I need to provide to Audi Financial Services when applying for credit?

The National Credit Act (NCA) requires credit providers to conduct a proper credit assessment. The consumer will therefore be required to provide detailed information of their household budget as well as a statement of income and expenditure.

The following is a list of all documentation and information that is required when applying for vehicle finance. All documents must either be the original or certified as the original document.

  • Your SA Green barcode identity document
  • Your valid driver’s license
  • Your salary advice slip
  • A utility bill not older than 3 months (i.e. Water and Lights account or telephone account showing your residential address)
  • Details of your bond (house) repayments
  • Details of repayments for any other vehicles
  • Details of any personal loan, credit card and/or overdraft repayments
  • Details of any monthly furniture account or store account repayment
  • Details of any policy or insurance premium payments
  • Details of any monthly telephone or cell phone account repayments
  • Details of monthly food and entertainment costs
  • Details of monthly education costs
  • Details of general maintenance costs

Why do I have to comprehensively insure my vehicle?

Comprehensive insurance is there to protect you, Audi Financial Services and any other party involved in an accident. Should your vehicle be stolen or written off without insurance, then you will still have a debt to repay.

How much can I borrow?

Subject to satisfying our normal credit and affordability criteria, we will advance up to the full amount of the motor vehicle being purchased, although in certain circumstances we may require you to contribute a deposit.

What happens if there is an accident and my vehicle is written off?

We require for your protection and ours that your vehicle is comprehensively insured at all times. In the event of an accident you should submit a claim to your insurer. Please note you must continue to pay normal monthly instalments pending determination of your claim. If the vehicle is not insured, we will take possession of the vehicle and sell it at public auction. You will continue to be liable for the difference between the net sales proceeds received from the vehicle and the insurer’s settlement amount. Our Shotfall product can cover you for such shortfalls. For more information visit the insurance section of the site.

I have a complaint with my vehicle and am not satisfied. Why should I continue to pay Audi Financial Services?

You need to understand there is a difference between any vehicle problems and your obligations under your finance contract. In the unlikely event you are unhappy with your vehicle you should contact the dealership where you purchased it. In law, the fact that you have a complaint with regard to the vehicle does not entitle you to cease making payments on your finance agreement. We would prefer you to contact us in these circumstances, so we can fully understand your situation and recommend the most appropriate action.

Terms and conditions apply.