Personal finance options to put a Škoda in your driveway*
Plan your next purchase with Škoda personal finance at Alto Škoda North Shore. Our team can explain the available products and help you understand repayments, upfront costs and any final payment.
Explore a Consumer Loan, salary packaging through a Novated Lease, or the end-of-term options available with Škoda Choice. Each works differently, so we’ll walk you through the details before you apply.
Speak with our Chatswood team about your budget, preferred vehicle and ownership plans.
Is Škoda finance right for you?
A Target Market Determination (TMD) describes the types of customers a finance product is designed for and the conditions on its distribution. It helps explain the product’s intended market, but does not replace the full terms or a review of your individual circumstances.
Read the relevant TMD alongside the product information before deciding. Our team can explain the available options and answer questions about the application process.
Visit the Target Market Determinations page.
The benefits of choosing Škoda finance
Choose your loan term
Consumer Loan terms are available up to seven years, subject to approval. You can discuss a deposit or optional balloon payment to reduce regular repayments. A balloon leaves a lump sum due at the end, so it’s important to plan for that payment.
Choose your repayment frequency
Choose weekly, fortnightly or monthly repayments to suit your pay cycle, with a fixed interest rate for predictable budgeting. Ask our team about payment methods and applicable fees so you understand the costs associated with your chosen arrangement.
Bundle on-road costs into your repayments
Eligible costs, such as registration and insurance, may be included in your finance, subject to approval. Ask which expenses can be covered by your chosen product and how adding them will affect your loan amount, repayments and total cost.
Frequently Asked Questions
You’ll generally need your driver’s licence details, recent payslips, address and employment history, and information about your expenses, assets and existing debts. Self-employed applicants may need financial statements and tax returns. Our team can confirm the documents required for your circumstances.
Yes, although an early termination fee may apply. Ask Škoda Financial Services for a current payout quote, which confirms the amount needed to finalise your loan, including any applicable fees.
Enquire Now
To get a no obligation, competitive finance and insurance quote, please contact us on 02 8817 4499 or email us using the form below:
³²Škoda Choice has a Guaranteed Future Value (GFV) which is the minimum value of your vehicle at the end of your finance contract as determined by Škoda Financial Services (SFS) ABN 20 097 071 460, Australian Credit Licence 389 344. If you decide to return your vehicle to SFS at the end of your term, SFS will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. At the end of your term, you can elect to (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV 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 apply if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Available on new, demonstrator or Certified Pre-Owned vehicles for selected Škoda models. Contact your nearest Škoda dealer to check eligible vehicles for this program. To see if this product is right for you, please see our Target Market Determination on our website and/or seek independent advice. *Subject to a credit assessment and SFS lending criteria. 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.
*For approved applicants of Skoda Financial Services (SFS) ABN 20 097 071 460, Australian Credit Licence 389 344. Excludes other offers. While stock lasts. Fees, charges, T&C’s apply. SFS may extend, withdraw or change offer at any time.
**For approved applicants of Skoda Financial Services (SFS), Australian Credit License 389344. 1.00% p.a. discount offer applies to your standard# Consumer Loan or Chattel Mortgage interest rate for eligible Skoda electric vehicles (EVs). The discount applies to the entire financed loan amount. However, eligibility for the discount is based on the vehicle’s base retail price before add-ons and on-road costs which must be under $91,387 (including GST) (Threshold Price). For example, a customer purchases a Skoda EV with a base retail price of $90,000 (excluding add-ons and on-road costs). They then add roof racks and tinted windows which with on-road costs, bringing the total financed amount to $95,000. This loan qualifies for the discount because the base retail price of the vehicle is under the Threshold Price. The discount is then applied to the full $95,000 financed amount.
#Your standard rate will be determined with reference to our available rates, the loan amount and term, any deposit and your credit history. Excludes Government, Novated Lease Customers, Fleet and Rental Cars. Offer available for a limited time only. Establishment fees apply ($520 for personal applicants or $590 for ABN holders). A lump sum at the end of the loan may also apply. Dealer may charge to arrange finance, ask them for details. Terms, conditions, fees, charges, and credit eligibility apply. Skoda Financial Services reserves the right to amend or withdraw this offer at any time without notice.
Contact 1300 734 567 to check eligible vehicles for this program. To see if this product is right for you, please see our Target Market Determination here and/or seek independent advice