Personal Finance
A finance solution for everyone
Explore Finance Options with Škoda
Škoda vehicles are packed with features that make ownership easy and enjoyable - and so are our personal finance solutions.
When you finance a Škoda with Škoda Financial Services you'll find applying for your loan, the approval process, and the end of loan options have been designed with customer-first thinking.
Whether you’re looking for a Consumer Loan to help you purchase your new Škoda outright, a Novated Lease through your salary package, or maximum flexibility with Škoda Choice32, we can help you find a finance option to suit your budget, payment cycles and lifestyle.
Target Market Determinations
Please read the Target Market Determinations (TMD) document for our Financial Services products. This document ‘Target Market Determination’ describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers.
For more information visit the Target Market Determinations page
Consumer Loan
Personalise your Consumer Loan by choosing a term, paying a deposit or tailoring your repayments to suit your lifestyle. With 100% finance for approved customers there's nothing to pay upfront, and our competitive fixed interest rates mean you can budget with confidence.
Novated Lease
A Novated Lease is simply an agreement between you, your employer and Škoda Financial Services. We lease the vehicle to you, and your employer makes payments from your pre-tax income for an agreed length of time. It could save you thousands compared to buying a vehicle after tax.
Škoda Choice
Škoda Choice³² is our Guaranteed Future Value program that lets you safeguard the future value of your car, so you can spend less time worrying, and more time enjoying your new ride – just how it should be. You also have the option to trade in, retain or return your car at the end of a loan term.
Simply Clever Finance Brochure Download
Tailor your repayments
Choose a loan term from 1 to 7 years depending on the finance option you choose. You can also add a deposit upfront or a balloon payment at the end of your loan term to reduce your repayments.
Easy budgeting
Choose your payment option — weekly, fortnightly or monthly, with convenient payments by BPAY or direct debit. And with the security of a fixed interest rate, and no account-keeping fees, you can plan with confidence.
Package it your way
Finance your on-road costs, insurance and even registration into one easy repayment. Helping you reduce the hassle of extra upfront costs, so you can enjoy your new ride sooner.
Insurance designed for you
Škoda has a reputation for thinking differently - and our insurance is a little bit different too. We’ve designed our cover with Škoda drivers in mind. But it’s the generous range of special features and added extras that really make us stand out from the crowd.