Personal Finance

Easy Finance Options

At ŠKODA Finance, we offer you the same peace of mind with financial matters as you experience when you decide on a ŠKODA vehicle. We offer flexible finance and leasing options for private customers that lets you drive the ŠKODA you want by making our money work for you.

We offer a comprehensive range of finance products to help you fund your new or used car. This allows you to change your ŠKODA on a regular basis, which means you can keep up to speed with the latest model technology.

Credit Agreement

A Credit Agreement is one of the simplest and most popular ways for many motorists to finance a new or used ŠKODA. A Credit Agreement enables you to place a deposit towards the contract, either as cash or by using equity in your current vehicle as a trade-in.

Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract giving you the ability to tailor the repayments to best suit your budget, as well as your vehicle trading cycle.

ŠKODA Operating Lease

ŠKODA Finance offers both Fully Maintained and Non Maintained Operating Lease options on new and selected demonstrator ŠKODA vehicles.

An Operating Lease can best be described as a long-term rental arrangement based on a term and specified kilometre allowance. An Operating Lease allows you to easily budget your vehicle expenses, and your monthly rentals are fixed over the term of the lease. The Fully Maintained option makes forward planning a lot easier for you, as the monthly rentals include scheduled servicing, annual registrations, and warrants of fitness, with options to include replacement tyres and puncture repairs.

All Operating Lease vehicles come with the peace of mind of ŠKODA Roadside Assistance (24 hour roadside assistance) All servicing is conducted by professional ŠKODA trained technicians using genuine ŠKODA parts. The Non Maintained option allows you to take care of the service and maintenance costs as and when they occur, rather than having them included in your monthly rental.

Under an Operating Lease the vehicle is treated as an off balance sheet expense so frees up your working capital. After the lease period is over, the vehicle is returned to us. You then have the option to take out a new lease and upgrade your vehicle to the latest model.

*When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

ŠKODA Finance is an operating division of European Financial Services Limited

Further information can be obtained relating to these products along with their relevant fees & charges by clicking on the following link:

Owning a ŠKODA is easy

Use our ŠKODA Finance Calculator to help choose the finance product that best suits your needs.