Above market
Audi A3
2013 Sportback Se Tdi
DieselManual83,000 mi2013
Band A · £20/yr
£172/mo
£6,495
cash
Protheroes·4.4 (73)· Market Harborough
Audi A3 representative finance example
A genuine Hire Purchase quote for a 2017 Audi A3 currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £254
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £11,261.00
- Cash deposit
- £0.00
- Total amount of credit
- £11,261.00
- Total amount payable
- £15,250.00
- Representative APR
- 13.4%
- Total charge for credit
- £3,988.00
- Fixed rate of interest pa
- 7.08%
- Option to purchase fee
- £1.00
The legal bit
AB Dealers Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 945576).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How Audi A3 finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the A3, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the A3 outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Audi A3
Check your eligibility for Audi A3 finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityAudi A3 in stock now — from £6,495
Good price
Audi A3
2015 E-tron Sportback Semi-auto
Petrol Electric HybridAutomatic78,250 mi2015
Band A · £20/yr
£219/mo
£8,995
cash
NG9 Motors·4.5 (88)· Nottingham
Good price
Audi A3
2017 Sportback Sport Tfsi Semi-auto
PetrolAutomatic60,552 mi2017
£200/yr
£254/mo
£11,261
cash
AB Dealers·4.6 (196)· Feltham
Fair price
Audi A3
2017 Sportback E-tron
Petrol Electric HybridAutomatic45,930 mi2017
£200/yr
£277/mo
£12,275
cash
AB Dealers·4.6 (196)· Feltham
Above market
Audi A3
2022 Sportback 30 Tfsi Sport
PetrolManual34,063 mi2022
£200/yr
£354/mo
£16,495
cash
Albar Autos·4.3 (20)· Loughborough
Good price
Audi A3
2021 Sportback 40 Tfsi S Line E Semi-auto
Petrol/electricAutomatic31,000 mi2021
£200/yrHome delivery
Finance available on request
£17,189
cash
Anycolour Car·4.9 (148)· Barnsley
Frequently asked questions
- How much is a Audi A3 on finance per month?
- Finance on a used Audi A3 starts from around £172 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Audi A3 deal with the full APR and totals.
- Can I get a Audi A3 on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Audi A3 listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a Audi A3 — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the A3 outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get Audi A3 finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a Audi A3?
- There's no fixed minimum — many Audi A3 agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used Audi A3 per month on finance?
- Based on a representative example, a used Audi A3 could cost from £172 per month. This figure assumes a 0% deposit over 60 months with a 13% representative APR on a Hire Purchase (HP) agreement, and is subject to status.
- What deposit and APR do I need for a used Audi A3?
- The representative finance example shows a 0% deposit and a 13% representative APR. However, the specific deposit required and the interest rate you are offered will depend on your personal credit history and affordability assessment.
- What is the difference between HP and PCP for financing a used Audi A3?
- With Hire Purchase (HP), you own the Audi A3 outright once all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but involves a balloon payment at the end if you wish to own the car.
- Can I get finance on a used Audi A3 within the price range shown?
- Yes, finance is available on used Audi A3 models, including those within the price range of £6,495 to £17,699. Our representative example shows finance from £172 per month, which is available on our cheapest cash price models.