ŠKODA Choice

Guaranteed Future Value

ŠKODA Financial Services Home
ŠKODA Financial Services Home

Protect your investment

ŠKODA Choice is a flexible finance solution that provides you with a way to safeguard the future value of your vehicle^. You know from the start the minimum future value^ of your new ŠKODA, so you can plan ahead. And even better, you're all set to jump into the newest ŠKODA at the end of your contract if you want, making sure you enjoy the best that ŠKODA has to offer.

  • Choose the perfect ŠKODA for you

  • Protect your investment and enjoy peace of mind, knowing the minimum future value^ of your ŠKODA from the beginning

  • Tailored finance solutions, with convenient choices at the end of your term

  • Upgrade your ŠKODA more often, enjoying the latest model with the best innovations and new technology

Simple steps

ŠKODA Choice is a simple way to drive away in the ŠKODA of your dreams while enjoying the security of knowing your new investment is protected with a guaranteed minimum future value^. There are also a number of options at the end of your term, so the next step is your choice.

Ask the Business Manager at your participating ŠKODA dealership for more information and to help you find a tailored finance solution to meet your needs.

Locate your nearest participating dealership.


This is the best thing about the Choice program. At the end of your term, you can upgrade your vehicle by trading in your old one, so you can enjoy the latest and greatest that ŠKODA has to offer. Finance your new car with a new ŠKODA Choice contract and continue on your journey. 


If you and your car have formed a special bond, you don’t have to say goodbye. You can simply purchase your vehicle outright for the Guaranteed Future Value^ you locked in at the beginning of your contract. Alternatively, we can help you refinance the outstanding amount with the intention of you keeping the vehicle at the end of that period.


If you want to return your vehicle at the end of the term, you can! Subject to your agreed kilometres and fair wear and tear guidelines, you can just take your vehicle to your ŠKODA dealership and we’ll pay you the Guaranteed Future Value^ amount. And if you find another ŠKODA that takes your fancy, that’s even better!


Maintaining your ŠKODA

Guaranteed Future Value

A new car is always an exciting thing, and when you’ve taken home the perfect ŠKODA for you, you want to keep it in top notch condition. To protect your guaranteed minimum future value, your ŠKODA needs to be in an acceptable condition when you return it to us, and you need to keep within your specified kilometre limit. We know there’s going to be some day-to-day wear and tear because that’s how life is, but to maintain the value, you should stay within the guidelines set in your contract.

You can find the specifics outlined in our Fair Wear and Tear Guide which can be downloaded below. 

Download Fair Wear and Tear Guide
1.8 MB, PDF


Am I able to finance factory options, warranty and insurance under the ŠKODA Choice program?

ŠKODA Choice doesn't restrict you adding factory fitted options, warranty or eligible insurance products in your finance contract. Your Business Manager can tell you more about your options.

What finance terms are available with ŠKODA Choice?

ŠKODA Choice is available on terms ranging from 12 to 48 months, depending on your needs.

What happens if I exceed the kilometre restrictions?

You set your kilometre limit at the beginning of your contract to reflect your vehicle use over the period of your finance term. If you do go over it though, you may be able to just pay an excess kilometre charge that will reduce the value of your Guaranteed Future Value.

What is the ‘acceptable condition’ of a vehicle?

This takes into account a vehicle’s age, kilometres and overall condition from mechanics to bodywork, electrics to upholstery. It includes assumptions on the amount of deterioration reasonable for everyday use – what we call ‘fair wear and tear’. You can find more information about Fair Wear and Tear by downloading our guide under the Maintenance section.

What models are available with ŠKODA Choice?

You can use Choice with a range of new and demonstrator ŠKODA vehicles. Visit your local ŠKODA dealer for more details.

Where can I get ŠKODA Choice?
The Business Manager at your participating ŠKODA dealership will be able to give you more information about the product and help you create a tailored finance solution to meet your needs.

You can check the list of participating dealerships here.

^The ŠKODA Choice Program consists of an option to return the vehicle to ŠKODA Financial Services (SFS)** at the end of the term and require SFS** to purchase the vehicle at an agreed price known as the Guaranteed Future Value or GFV as determined by SFS** and set out in your contract. 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. The GFV is not a representation by SFS** as to the likely market value of the vehicle as at the end of your contract. The option is available on new and demonstrator ŠKODA vehicles for selected models only. Please verify with your dealership the vehicles that are eligible for the program. The GFV will be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guide available at www.skodafinancialservices.com.au. Other terms and conditions apply. The cost of the ŠKODA Choice Program is incorporated into the applicable interest rate. Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information on this page, please seek independent financial and tax advice. Full terms and conditions are available upon application. Available only to approved applicants of SFS**. Subject to credit assessment. Standard fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available at participating Volkswagen dealers. **SFS is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460. Australian Credit Licence 389344.