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CUPRA master. How to be part of CUPRA




CUPRA Financial Services are trusted CUPRA Specialists: We are the experts when it comes to financing and protecting your new CUPRA.  Part of the Volkswagen Financial Services Group, our various mobility options are first class, backed by high-quality advice and efficient service. 

Mobility for any driver: No matter whether you’re buying your CUPRA for business or pleasure, we have an excellent range of flexible mobility options for you to choose from. By helping you select the right option, we can even help save you money as well as time.

Ongoing expert support: Our personalised service doesn’t come to an end when you drive your CUPRA out of the garage, a dedicated CUPRA Financial Services consultant is only ever a phone call away. So whether you’re in the market for a CUPRA as a family car, to help expand your business or to make the most of a salary package, expert support is available at every step of the way.

Simplicity and convenience: By choosing CUPRA Financial Services, you can make the most of your valuable time by arranging your finance online or contacting one of our CUPRA Financial Services consultants.


i.         Consumer Loan

With 100% finance for approved customers, there’s nothing to pay upfront. You can personalise your loan by choosing the term or paying a deposit and tailoring your repayments to suit your needs. A competitive fixed interest rate means you can budget with confidence. And when the last payment is made, your new CUPRA is completely yours.

ii.         Chattel Mortgage

A Chattel Mortgage might be the right option for you if your CUPRA is for business purposes. You can take ownership of your CUPRA from day one. We take a mortgage over the vehicle as security while you pay back your loan. This can be an affordable way to finance a vehicle for business use and gives you ownership of your CUPRA. You can tailor your Chattel Mortgage to your business needs.

iii.       CUPRA Premier Motor Insurance 

iii. CUPRA Premier Motor Insurance provides comprehensive insurance cover for your vehicle and includes a range of high quality benefits. You can also tailor your cover by choosing to add optional benefits that may suit your individual requirements. Please refer to the Product Disclosure Statement and Policy Document (PDS). Please also consider our Financial Services Guide (FSG), which describes the services we offer and how, before deciding whether to use the services offered by us. You can get a quote and apply online here.

This will depend on your circumstances and what you want to achieve with both your vehicle and your finance package. The decision between purchasing or leasing is a good place to start your product research. You should also ask your accountant about which finance solution would suit your requirements.

There's a finance solution for everyone. We're here to help you pick the best option for you.

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.

View the Consumer Loan TMD here or for more information visit the Target Market Determinations page .



We’ll do everything we can to help you take home your new CUPRA as soon as possible - but to do that, we need some information from you, such as:

  • Why you’re buying a vehicle - is it for business or personal use?
  • Your current driver's licence number and its expiry date.
  • How much you earn. Make sure you have recent pay slips, or if you’re self-employed, your last annual financial statements and tax returns.
  • Information about your assets, savings and investments.
  • Your monthly income, before tax, and your monthly living expenses.
  •  Information about other loans or finance you have, such as home loans, personal loans, credit cards and store accounts.
  • How much you owe on each of your loans.
  • Your address and place of work for the past three years.


Your CUPRA Financial Services Specialist may also ask you for other personal information, depending on your situation.


CUPRA Choice is a flexible finance solution that provides you with the assurance of knowing exactly what the minimum value of your CUPRA vehicle will be at the end of your loan term. At the end of your loan, you have the option to trade in, retain or return your vehicle. The choice really is yours.

  • ·Peace of mind –  Know the minimum future value of your CUPRA right from the start
  • Options – You have three options at the end of your CUPRA Choice contract
  • A personally tailored finance solution, based on the term and kilometre usage of your vehicle. You can choose from loan terms of 12, 24, 36, 48 and 60 months.
  • Upgrade your CUPRA to the latest model more often, enjoying the best innovations and technologies available

  • TRADE IN: Trade in your CUPRA for a new one. If the trade-in value is higher than the GFV^, you can use the equity towards it.

  • RETAIN: If you've met the payment obligations under your contract, you can purchase your vehicle outright for the GFV^ amount.

  • RETURN: Return your CUPRA at the end of the term if the vehicle meets the agreed kilometre and Fair Wear and Tear requirements^.


  • Contact your local CUPRA Garage to arrange a suitable return time
  • The vehicle will be inspected by a CUPRA Agent, or an authorised CUPRA representative
  • The inspection process includes paint, tyres, rims, spare tyre, jack and tools, service history and interior and may take up to one hour. In the meantime, you may test drive and experience your next CUPRA
  • To ensure a smooth return experience, please have the following items readily available for viewing:

                    – Spare key

                    – Owner’s Manual

                    – Service Log Book

                    – Cargo Blinds are installed (if applicable)

                    – Towbar tongues are in the vehicle (if applicable)

                    – CUPRA Financial Services contract letter

  • Please remove all personal belongings from your vehicle
  • Your vehicle will not be accepted for return if any of the following apply:

                    – The contract maturity date has passed

                    – The vehicle has hail damage

                    – Build plate (if applicable) or compliance plate is missing

                    – The vehicle has not been maintained to manufacturer’s guidelines

  • Your vehicle will be inspected to ensure it meets fair wear and tear guidelines – Please refer to the Fair Wear and Tear Guide here.              

           – Any missing items are subject to be charged for replacement

                    – Damages outside of fair wear and tear guidelines will be charged to the final payment due

  • If you have exceeded your agreed kilometre allowance, excess kilometres will be charged at $0.66 per kilometre and added to the final payment due.
  • Your current payout figure will be confirmed by the dealership
  • A total payment due will be calculated based on any unfair wear and tear charges, excess kilometre charges and the final payout figure (any arrears payments or future instalments due)
  • A Direct Debit Authority will need to be approved and completed if there is a payment due. This approval supersedes the final monthly instalment closing off the contract. If you want to confirm the regular Direct Debit is cancelled, please contact CUPRA Financial Services Customer Service on 1300 092 859 between 9:00am – 5:00pm AEST Monday – Friday & 10:00am – 3:00pm AEST on Saturday
  • The completed Direct Debit Authority form must have the bank account that has been used for the regular monthly deductions
  • Before completing the return process, you still have the option of selling your vehicle to the dealer, or trading in your vehicle for a new CUPRA. Simply ask your CUPRA Agent about our latest offers


Yes, exclusive motor insurance is available for CUPRA drivers with our CUPRA Premier Motor Insurance product.

CUPRA Premier Motor Insurance provides comprehensive insurance cover for your vehicle and includes a range of high quality benefits. You can also tailor your cover by choosing to add optional benefits that may suit your insurance requirements.

  • New for old replacementᴬ¹ – up to 3 years of age.
  • CUPRA Genuine Manufacturer Partsᴬ²
  • Pay by month at no extra costᴬ³
  • Choice of repairerᴬ⁴
  • Add optional extras for an additional premium such as staying mobile following accident Or reduce your premium by selecting the Named Driver option and naming the drivers on your policyᴬ⁵

This list is not limited to and is a summary only. For the comprehensive list and details of policy inclusions please refer to the Product Disclosure Statement and Policy Document (PDS).

Please also consider our Financial Services Guide (FSG), which describes the services we offer and how, before deciding whether to use the services offered by us.

Apply online via the CUPRA Premier Motor Insurance page, or simply click here.

You can make a claim by contacting the CUPRA Contact Centre on 1300 268 909

Our Financial Services Guide (FSG) can be downloaded here.

Our Product Disclosure statement and Policy Document (PDS) can be downloaded here.


No, unless specified, you are free to set your own deposit.  A higher deposit paid upfront will reduce your weekly, fortnightly or monthly repayment, so this can be a useful way to help manage your budget.


A balloon payment is a lump sum payment to be made at the end of your loan contract. With a balloon payment you have three options on how to cover it: simply pay it and keep your vehicle; pay it with the proceeds of your vehicle sale (you may need to cover the shortfall if the sale price does not exceed the balloon); or trade your vehicle in for a new one or refinance.


Eligible customers can borrow up to 100% of the cost of their vehicle, including all on-road costs, insurance and even registration. Of course, the amount you can borrow depends upon your personal situation and the type of finance you want to arrange. CUPRA Financial Services can help you work out exactly how much you can borrow when you contact CUPRA Financial Services.


You can make extra repayments through online transfer, BPAY or branch deposit. Please be advised a $4.50 non-direct debit fee is payable for the above options. To be provided with the transfer or BPAY details please send us an email at customerservice@cuprafs.com.au

i. Direct Debit – If you have chosen an automatic direct debit, the instalment will be taken at the frequency you have nominated.

ii. BPAY – Using the Biller Code and your BPAY Reference Number provided in your Welcome email.  Please note a $4.50 non-direct debit fee per payment applies.

To request a change to your car finance payment frequency or date, please send us an email at customerservice@cuprafs.com.au


An Establishment Fee is the cost to set up your approved loan with CUPRA Financial Services. It is payable upon loan settlement, and can be included within the amount financed.  Typically, a $398.00 Establishment Fee applies for personal applicants and a $450.00 Establishment Fee applies for business applicants – although in some cases this may be waived (e.g. special finance offers).

Break cost, or economic cost, is CUPRA Financial Services’ loss on a fixed rate term finance arrangement resulting from any movements in the cost of funds. These costs may occur, via an Early Termination Fee, if before the end of the fixed rate term:

  • The finance arrangement is repaid in full,
  • Additional partial Repayments above and beyond the Schedule are made.

Speak to a CUPRA Financial Services Specialist for more information on Early Termination Fees.

There are no account keeping fees when you finance with CUPRA Financial Services.

What is the difference between a Comparison rate vs Interest rate?
Put simply, the interest rate is the rate you will be charged on the balance of your loan. This affects the size of your minimum monthly repayments.  The comparison rate takes into account fees and charges as well as the interest rate and represents the overall cost of the loan during the total repayment period.


Financial Hardship is when a customer is willing and has the intention to pay, but due to a change in their circumstances, is now unable to meet their repayments or existing financial obligations. With formal hardship assistance, their financial situation will be restored.

  • Common events contributing to financial difficulty may include:
  • Changes in income and/or expenses
  • Changes in employment (such as reduced hours, loss of job, reduced pay)
  • Significant life events such as (illness, injury, relationship break down, death or disability)
  • Natural disaster Legal matters such as court actions, judgement or court orders
  • Company failure or some other event such as insolvency or administration

In order to assess your eligibility for financial hardship assistance, we require you to apply online via our Financial Assistance Portal (supported web browsers include Google Chrome, Firefox and Microsoft Edge).

Apply online:


Our CUPRA Financial Services Specialists are here to help, and can be reached by one of the below options:






Help with new applications

1300 092 859



Request change to new application

1300 092 859



Payouts, balances & statements

1300 092 859



Existing customers

1300 092 859



Arrears Enquiries

1300 092 859



Hardship Enquiries

1300 092 859



Please refer to the below table for our hours of operation.  Note: all times shown are based on AEST.



9:00am – 5:00pm


9:00am – 5:00pm


9:00am – 5:00pm


9:00am – 5:00pm


9:00am – 5:00pm


10:00am – 3:00pm




Click here to view our privacy policy.


To receive a copy of your loan statement, please email customerservice@cuprafs.com.au and we will be happy to arrange a statement for you. Please allow 1-2 business days to receive the requested statement.

Unfortunately statements are not sent automatically. Every customer is entitled to one statement free of charge every 12 months upon request. Any additional statement within a 12 month period does incur a $20 document fee as outlined in your loan contract.


You may authorise a person, over 18 years of age, to obtain information about your loan account. To authorise a third party, please complete the Third Party Authority Form here, and return it to customerservice@cuprafs.com.au. 

Please allow 2 working days to update your account. Please note that this authority will enable a third party access to information and make changes to your payments or direct debit.


^CUPRA Choice consists of an option to return your vehicle to CUPRA Financial Services (CFS) ABN 20 097 071 460, Australian Credit Licence 389344, at the end of the term and requires CFS to purchase the vehicle at an agreed price determined by CFS, known as the Guaranteed Future Value (GFV). At the end of the term, you can elect to: (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV, which is a lump sum owed to CFS 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. Available on new and demonstrator CUPRA vehicles. Fleet, government, rental buyers, hire car and chauffeur companies excluded. 
View our CUPRA Finance Privacy Policy here.


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