Audi Refinancing (August 2025)

Find the Best Audi Refinance Rates In Just Minutes

Owning an Audi is the ultimate status symbol – it says that you like your cars lean, mean, and stylish! However, it may not be enjoyable if you keep bleeding money on monthly payments for your Audi auto loan. Don’t overpay on your auto loan – try out Audi refinancing, get a lower APR, and save money in the long run!

It’s always possible that you were offered an Audi loan with a high APR when you first bought the car. But no matter which Audi model you own, there’s always a way to save money and refinance your Audi loan– all that’s needed is to find a trusted partner.

You can find the best Audi refinance deals from multiple trusted lenders in just a few minutes by using Way.com! We’ll help you compare different APRs, term lengths, and other conditions before choosing the best refinancing deal for your budget.

What is Audi Refinancing?

Audi refinancing is the process of replacing your existing Audi auto loan (usually taken from Audi Financial Services) with a new auto loan from a different lender. This new loan will typically have better terms and conditions like a lower APR, longer loan term, and/or reduced monthly payments.

Refinancing can help you reduce the high amounts you pay every month on your Audi loan, and help you deal with your finances in a more orderly manner. If done right, you can save hundreds of dollars every year through Audi refinancing.

Refinancing is also a nifty way to add more features like GAP insurance and Extended Service Contracts (ESC) that were not included in your previous loan.

Does Audi Financial Services (AFS) offer refinance?

Audi Financial Services (AFS) generally does not refinance existing auto loans financed through them. However, there are several other mainstream lenders who are willing to offer lower APRs and longer terms for your credit score.

It’s best to shop around with credit unions, banks, and online refinance aggregators and compare Audi refinance rates before deciding on one that fits your budget.

Why Should I Refinance My Audi?

You may have been locked into a high APR when you first financed your car from Audi Financial Services. This may be because:

• You did not have a solid credit score
• You did not have a consistent payment history
• You did not make a large enough down payment

However, as time progresses and if you've been consistent in your payments, you will become eligible for better terms and lower APRs. Audi refinancing can help you find refinance rates from several lenders, buy out your lease, and even get cash-out refinancing for immediate expenses based on your vehicle’s equity.

When Should You Consider Audi Refinancing?

Typically, you can consider refinancing your Audi if you feel your current APR is too high, or if you’d like to extend your loan term and save a few dollars every month. It’s the right time to refinance if you’re in any of the following situations:

• If at least six months have lapsed since you took your current loan
• If your credit score has improved by a few points
• If you’ve become eligible for a better loan
• If your monthly expenses have increased and you want to save money
• If you want to add a co-signer or co-borrower to your loan

However, a few months' consistent payment is enough to improve your financial position - at which point you can choose to refinance the loan.

Audi Refinance Rates (June 2023)

Is it difficult to get an Audi refinanced?

It isn’t difficult to get an Audi refinanced if you use an online refinance aggregator like Way.com. Since Audi Financial Services (AFS) does not refinance auto loans, Way.com will help you find and compare deals from our list of vetted lenders. These deals will save you at least $100 per month, besides additional benefits!

What Do You Need to Refinance an Audi?

Keep the following loan details ready before applying for Audi refinancing.

• Credit score: Get a free copy of your credit report from a credit bureau and ensure you have a score of at least 660.
• 10-day payoff amount: Get the lender to give you the amount you owe plus 10 days’ principal and interest.
• Loan-to-value ratio: It indicates whether or not you are “upside-down” on your current loan. The LTV is calculated by dividing the amount you want to borrow by the current resale value of the Audi.
• Loan term remaining: The best time to refinance is if you have more than a year remaining on the existing loan.
• Prepayment penalty: Before refinancing, check whether your current lender will charge you a prepayment penalty for paying off the loan before schedule.

Besides, also have your other details ready, like:

• Vehicle information: VIN, title, registration, number, and mileage
• Income information: Proof of income, tax returns for the past few years
• Personal information: Driver’s license and Social Security Number

How do I refinance my Audi?

Step 1: Calculate how much Audi refinancing will save you

The first step is to use an auto loan refinance calculator to find out how much you can save by refinancing your Audi. You can input your desired APR and new loan terms and check if the new projected monthly payments will save you money. You can then choose to go ahead with Audi refinancing.

Step 2: Apply to refinance lenders with Way.com

Rather than choose just one offer, it’s best to compare multiple offers from refinancing lenders to see which will give you the best savings. Way.com can help you do that by comparing deals from banks, online lenders, and credit unions.

Step 3: Finalize your offer

When you find an offer that fits your preferred APR or monthly payment, complete the application and submit the supporting documents. This will result in a hard credit inquiry which will temporarily reduce your credit score. However, you can easily make up for the fall by being consistent in your monthly payments.

Will my Audi qualify for refinancing?

Your Audi will most likely qualify for refinancing if it fulfills the following requirements:

• It should be less than 10 years old
• It should have valid registration documents
• It should have full coverage insurance; and
• The loan payments on it should have been consistent

What are the benefits of GAP and ESC with Audi refinancing?

An advantage of refinancing your Audi is that you can also add new loan components like GAP and ESC, which were previously not covered.

• Guaranteed Asset Protection (GAP) protects you from further financial expenses if your Audi is completely totaled in an accident and you have to pay off a loan amount more than the value of destroyed Audi. GAP covers the difference between the car's worth and the amount you owe on the loan.
• Extended Service Contract (ESC) is an add-on warranty that covers mechanical failures, engine issues, and electrical problems your Audi may face after the manufacturer’s warranty expires.

Can I do Audi refinancing with bad credit?

Yes, you can refinance an Audi with bad credit – but be ready to pay higher monthly payments than what you’re paying now. It’s best to develop your credit score before applying for refinancing.

Follow the guidelines below for the best results:

• Ensure you are consistent in your payments for at least 6 months before applying for Audi refinancing. Clear any pending dues that may affect your credit score.
• You can refinance with bad credit if you make a larger down payment at the time of applying.
• Use the free credit reports from most credit bureaus to keep track of your score.
• Always compare different APRs and terms before finalizing the refinance offer.

Why choose Way.com to refinance your Audi

We at Way.com know that owning an Audi is not an easy task. Between maintenance and post-purchase costs, you may have to spend a lot on its upkeep and to pay off the auto loan. Don’t continue overpaying - refinance your Audi with any of our trusted partners and save hundreds every year!

Using Way.com, you can easily compare the best offers and lenders for your Audi – all in just a few minutes. We’ll also help you find Audi refinancers that provide add-ons like expert financial advice, GAP insurance, extended service contracts, 100% online application process, and excellent customer support.

Way.com has a 4.5 rating on Trustpilot, with more than 3 million satisfied customers. The Way app also has a 4.7 rating on Google Play and 4.9 on the iOS app store.