dawkins20

Does anyone know the current A4 finance rates? Looking for 2017 vs 2018 if there is a difference. I see that the summer of Audi promo knocks off one payment if financed through AFS but I'm having trouble finding the current rates or if it's more attractive to do a 2017

emailrob

Aside from promotions, the rates are going to be very specific to your credit situation and deal you strike with the car dealer. The website should show the current prevailing rates. When I got my 2017 a few months ago I got an extra 1000 off but I think that was direct fr Audi and not necessarily finance

Strife1013

Normally credit unions offer really good interest rates for new cars. I got 2.99% for 84 months. You can often get 1.99% or lower if you have good credit and a shorter length.

dawkins20

I agee and my CU has great rates , but in order to get the 1st payment credit I would need to go through AFS, which is why I was wondering how much higher their rates are

samsj

When I was buying my car Audi would have payed the first months payment up to $800 at around 3% rate for 60 months. You can get 2% at CU and for a 40k loan that would save around 1050 in interest payments. Subtract 800 from it and you will still be saving 250$ with the CU. This is assuming the rates are still same as back then

Dave788

I have very good credit and Audi Financial quoted me 3.9%. I literally laughed out loud. They had me full out a form and submitted it to their credit unions and I got a loan through Northwest at 2.65% for 60 months. I got 2.55% through Nationwide searching on my own but I plan on paying the car off sooner rather than later and didn't feel like dealing with extra steps at 8pm on a Wednesday.

blorzoga

Find the lowest online rate you can (usually from a credit union), tell the dealer you can get the rate elsewhere and they'll most likely match the rate. They're not locked into the Audi rate.

Dave788

Are you referring to the dealer matching the rate through Audi Financial? My experience between both of our Audi purchases is that the sales people barely bother with Audi Financial. For both cars they came back with a credit union percentage that was ~1.5% less than what Audi was offering.

That said, it did surprise me. You would think that Audi would like to collect all of the potential interest on their own vs. letting another bank/company finance the car and would be competitive. Our sales guy said they find lower financing through third parties all of the time. My Merc, my Honda, and my Acura were very reasonable rates through their in-house financing services and I went those routes, granted two of them had CPO rates that saved me a bunch. My Mercedes CPO, latest car, was 1.9%.

meijerbrantm

I went through my credit union and financed for 1.99 for 48 months. They used to do 60 at that rate, but they had just changed their rates the month my car was actually delivered.

vgt

Take the Audi Financing and promotion, and then refi immediately. If I recall, I got an extra thousand dollars off if I took the AFS offer (which was 3.99%), and I refi'd before my first payment at my CU for 1.99%