Welcome to our VWFS Used Car Finance
Application Portal
With just a few simple steps you can start your finance journey1 with VWFS and be on the road to purchasing your next used vehicle.
Options available for PCP and HP, giving you the ultimate flexibility to find the ideal finance for your car.
The purpose of this application is to gather relevant information about you, allowing us to begin an application for finance which will be followed up by your prefered Dealer.
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Step 1 - Select your prefered Volkswagen Group Brand below
You can can choose to submit an online application for any vehicle from our brands; Volkswagen, Audi, ŠKODA, SEAT and Volkswagen Commercial Vehicle.
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Step 2 - Provide us with some personal details using the form below
Let us know a little bit more about you so that we can assess your application for credit.
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Step 3 - Your Vehicle and Finance Details
Tell us more about the vehicle you want to finance and how much you would like to borrow.
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Step 4 - Submit your application and we'll be in touch
Once you submit your application, one of our specialist finance consultants will be in touch to complete your full application before it goes to our underwriting team for a credit decision.
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Step 5 - Dealer Contact
Once your application has been reviewed we will contact you with the next steps. We will pass your details onto your preferred Dealer who will continue the application process with you.
Click on the Brand of vehicle that you would like to finance.
What products can I begin an application for online?
Enjoy a finance package with real flexibility and lower monthly payments.
PCP
Now you can get PCP finance on a used car or van with Volkswagen Financial Services. Choose your deposit percentage of up to 30%. Enjoy a fixed monthly payment that makes budgeting easy. Then at the end of your contract you have 3 options.
Hire Purchase
With HP Finance, choose from longer payment terms of up to 5 years, and choose a deposit percentage of up to 30% . With a fixed interest rate for the duraction and fixed repayments for ease of cash flow and budgeting, you become the owner of the vehicle.
Typical HP Example: Volkswagen Caddy TDI 75 Business. On The Road Price €23,750 Deposit [/ Part Exchange] €7,161.42. 48 monthly payments of €399.00. Fixed Annual Percentage Rate (APR) 7.9%. Total cost of credit €2,709.10 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. Volkswagen Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
Typical PCP Examples: Volkswagen Polo Life 95 HP. On The Road Price €22,945.00. Deposit [/ Part Exchange] € 6,772.29. 48 monthly payments of €249.00. APR 7.4%. Optional Final Payment €7,594.39. Total Cost of Credit € 3,523.68 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. Volkswagen Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
Volkswagen Golf 110 Life. On The Road Price €27,950. Deposit [/ Part Exchange] €8,649.20. 48 monthly payments of €299.00. APR 7.4%. Optional Final Payment €8,997.73. Total Cost of Credit €4,198.93 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. Volkswagen Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
AUDI A3 Sportback 110 SE. On The Road Price €29,995. Deposit [/ Part Exchange] €9,000.17. 48 monthly payments of €309.00. APR 7.4%. Optional Final Payment €10,342.98. Total Cost of Credit €4,602.75 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. Audi Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
Škoda Fabia 65 HP AMB. On The Road Price €18,750.00. Deposit [/ Part Exchange] €5,809.48. 48 monthly payments of €169.00. APR 5.9%. Optional Final Payment €7,044.94. Total Cost of Credit €2,366.41 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. Škoda Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
SEAT Ibiza 80 SE. On The Road Price €18,800. Deposit [/ Part Exchange] € 5,314.82. 48 monthly payments of €199.00. APR 4.9%. Optional Final Payment €5,546.10. Total Cost of Credit €1,870.21 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. SEAT Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
CUPRA BORN HAT 58KWH 204. On The Road Price €26,031.00. Deposit [/ Part Exchange] € 7,644.30. 48 monthly payments of €289.00. APR 4.9%. Optional Final Payment €11,007. Total Cost of Credit €2,501.05 including acceptance fee (€75) and completion fee (€75). Pricing correct as of 23/01/2026. CUPRA Financial Services Ireland Ltd. reserve the right to remove this offer at any time.
Finance is provided by way of Hire Purchase Agreement from Volkswagen Financial Services Ireland Limited. Terms and conditions apply. Volkswagen Financial Services Ireland Limited, trading as Volkswagen Financial Services is regulated by the Central Bank of Ireland.Warning: You may have to pay charges if you pay off a hire-purchase agreement early.