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481 Latrobe Terrace, Geelong, VIC 3220 Get Directions

Personal Finance

Finance for every lifestyle

Škoda vehicles are packed with clever features - and so are our personal finance solutions. It's easy to apply for, practical and best of all, it's designed with you in mind.

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.

Now that's clever thinking.

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 TMD

Consumer Loan

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.

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Novated Lease

Consumer Loan

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.

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Škoda Choice

Consumer Loan

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.

Contact Us Explore Škoda Choice

Explore a world of benefits

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

Consumer Loan

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.

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32 The Škoda Choice Program consists of an option to return the vehicle to SFS at the end of the term and require SFS to purchase the vehicle at price known as the Guaranteed Future Value (GFV) as determined by SFS. At the end of the term, you can elect to: (1) trade-in the vehicle; (2) exercise the option to return the vehicle; or (3) retain the vehicle by paying the GFV, which is a lump sum owed to SFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Fleet, government, rental buyers, hire car and chauffeur companies excluded.

Škoda Financial Services (SFS) ABN 20 097 071 460, Australian Credit Licence 389344. View the Target Market Determination for our Financial Services products here.


481 Latrobe Terrace, Geelong, VIC 3220
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