Audi A1 Car Finance

Rates from 9.9% APR.
Representative APR 10.9%

Loan amount

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.9%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Small on the outside, properly premium on the inside. The Audi A1 nails that city-friendly hatchback brief without feeling budget. In fact, it feels downright luxurious. It’s easy to park, cheap to run and has the sort of interior you usually only see further up the Audi range. No wonder so many UK drivers pick finance to make the numbers work month to month.

With My Car Credit, you can line up Audi A1 finance your way. PCP, HP or PCH, plus options for used, no-deposit and bad-credit. The application is fully online, quick to complete and starts with a soft search (so there’s no mark on your credit score). What does this mean for you? Compare lenders in one go, pick Audi A1 car finance deals that fit and then shop for your A1 with confidence.

Why the Audi A1 is a popular choice

Compact but premium: You get Audi fit-and-finish in a footprint that slips neatly into tight bays and multi-storey ramps. Ideal for both city driving and country road trips.

Low running costs: Frugal petrol units, sensible insurance groups and strong reliability keep everyday costs in check when you drive an A1.

Classy interior: Clean design, quality materials and modern infotainment that doesn’t feel like an afterthought. The A1 is all class from the moment you slide into the cabin.

Tech and safety: Depending on spec, you’ll see LED lights, lane assist, rear sensors/camera, cruise control and solid crash-test credentials. This last one makes the A1 a top pick for safety-conscious families who don’t want to compromise on style.

Resale strength: The A1 holds value better than many rivals, which is handy for PCP and part-exchange later on.

For students, young professionals, city commuters and downsizers who still want something smart, the A1 is a bit of a sweet spot.

Audi A1 trims, popular models and engines

The line-up changes by year, but a few familiar badges crop up:

Sportback: Stylish and sporty, this five-door supermini promises nimble handling and a whole lot of tech. Think Audi’s signature Virtual Cockpit, MMI Touch, Apple CarPlay/Android Auto and driver-centric features.

S line: For an even sportier look and feel the S line kicks things up a gear with aggressive styling and a cache of extras. The trim level includes larger wheels, flashier badges and interior upgrades like black headlining. It’s a big visual step-up if you like a bit of stance.

Black Edition: A sleek, jet-black exterior (including accents like the grille, mirror caps, window surrounds and badges) combined with LED lights, anthracite/diamond-cut alloy wheels and privacy glass make the Audi A1 Black Edition a very smooth talker.

Engines and economy: The 1.0-litre turbocharged petrol engine is the star. It’s punchy in town, calm on the motorway and economical. There are 1.5-litre options higher up the range for extra shove and a 2.0 four-cylinder if you’re really looking for power.

Cabin and tech: No matter what model you choose, expect Audi’s slick digital displays, smartphone mirroring (Apple CarPlay/Android Auto on many cars), decent sat-nav options and a clean layout that still looks fresh years later.

Parking and daily ease: A shorter length, good visibility and integrated cameras/sensors make the A1 friendly around town.

Audi A1 finance options explained

Different drivers have different needs and preferences. That’s why we don’t settle for a one-size-fits-all approach when it comes to Audi A1 on finance agreements. Or any other car for that matter. Here’s the simple version.

PCP finance for an Audi A1

What it is: Personal contract purchase keeps monthly payments lower by deferring a chunk (the “balloon” payment) to the end.

End-of-term choices: PCP keeps things flexible with different options at the end of your term.

Keep: Pay the balloon and the car’s yours.
Swap: Part-exchange into another car (often a newer generation of the A1, or you can size up if the model isn’t ticking your boxes).
Return: Hand it back and walk away (subject to meeting your condition/mileage terms).

Why it suits the A1: Strong resale values make PCP maths work nicely. If you like driving newer cars with the latest kit (and you want flexibility later), PCP is a popular fit for Audi A1 cars on finance.

Hire purchase (HP) finance for an Audi A1

What it is: Pay a deposit (not always required) and fixed monthly instalments. After the last payment, you own the car. No balloon and no mileage rules.

Why it suits the A1: If you plan to keep the car long-term or rack up miles without thinking about caps, HP is straightforward and predictable.

Used Audi A1 finance

Why go used: Lower purchase price, slower depreciation and a wider choice of trims and colours are just some of the perks of used car finance.

Good to know: We can fund a used Audi A1 from any approved UK dealership. You’re not tied to one showroom. Start with our soft search to see where the budget lands, then shop without geographic restrictions.

Can I get Audi A1 finance with bad credit?

Short answer: yes, it’s possible. Bad or limited credit doesn’t automatically mean a refusal. Here’s how we work around less-than-ideal scores:

We start with a soft credit search, so you can check eligibility without affecting your score.
As a broker, we work with a wide panel of lenders, including those who consider bad credit cases. This means you get Audi A1 car finance deals that work for you, not the masses.
Affordability is key. If the figures stack and the documents line up, there may be a way through. Not sure where you stand? Use our handy car finance calculator to crunch your numbers.

Tips that help:

Keep recent payments on time where you can.
Have proof of income ready (payslips or SA302 if self-employed).
Consider a small deposit to trim monthly costs.
Be realistic on trim/spec to keep the monthly nice and steady.

No deposit Audi A1 car finance

No-deposit can be possible, depending on the lender and your circumstances.

Pros:

Easier on day-one cash flow.
Get on the road sooner if savings are earmarked elsewhere.

Consider:

Monthly payments can be higher without a deposit.
With PCP, the optional final payment remains. Budget for it if you plan to keep the car.
The best starting point is our soft search. Expect instant eligibility with no impact on your credit score.

Why finance your Audi A1 with My Car Credit?

Want an Audi A1 on finance? Here’s why My Car Credit is the smart choice.

Access to a wide panel of trusted lenders

We’re a broker, not a single lender tied to one brand. That means more choice, better odds of approval and access to Audi A1 finance offers tailored to you.

Competitive rates and transparent pricing

Rates are clear, fees are transparent and we keep the jargon out of it. What you see is what you pay.

Quick online application with soft search

Apply for car finance for an Audi A1 in minutes, get an instant soft-search result and move forward without a mark on your credit score.

Buy from any approved UK dealership

New or used, Audi main dealer or reputable independent… your approval travels with you. Shop nationally and access the best deals in the UK, not just on one forecourt.

Trusted nationwide

We’re FCA-regulated, UK-based and backed by thousands of positive customer reviews. If you want straight answers and a smooth process, you’ll be at home here.

A quick and hassle-free process

How to apply for Audi A1 finance

Audi A1 finance FAQs

PCP keeps monthly payments lower and gives you options at the end (keep, swap or hand back). Great if you like newer cars and want flexibility.

HP ends in ownership with no mileage rules. Higher monthly cost than PCP, but the model is simple and ideal for long-term keepers.

Looking for Audi A1 used car finance? We can fund cars from any approved dealer nationwide, not just Audi showrooms.

Potentially, yes. We work with lenders who consider a range of credit profiles. Start with our soft search to check eligibility without affecting your score.

It varies. No-deposit deals can be available, but a deposit often lowers monthly payments. We’ll show you both scenarios where possible.

The soft-search result is instant. Full approvals can follow quickly once documents are verified and you’ve chosen a car.

Absolutely. Our process is fully online. Apply, get matched, choose your car, sign and sort collection/delivery. Nice and tidy.

Eyeing an Audi A1? The model gives you a premium feel without the city-car compromises. With PCP, HP, used, no-deposit and bad-credit options considered, there’s usually a way to make the monthly work. Start with a soft search through My Car Credit, compare lenders side-by-side and shop for your A1 knowing the finance is sorted.

Approachable car credit specialists

When you apply for car finance with My Car Credit, you will be looked after by your own Car Credit Specialist. They are experienced in handling poor credit car finance and will hold your hand throughout the process, ensuring your experience is hassle-free. They can also provide advice and guidance on how to improve your poor credit profile.

You can also get a FREE credit report from Experian.

Our team are known for their approachability and professionalism – they have helped lots of poor credit customers secure car finance to buy the car of their dreams. You can read some of our customer feedback below.

After a difficult divorce and losing my job I thought my credit file would never allow me to rebuild my life. I first called My Car Credit and told them my journey. I was encouraged to apply and told I would receive an answer quickly... so I did, the next day I was arranging to collect my dream car... Audi Sports Convertible. Onwards and upwards, THANK YOU!

Nicky

17th Oct 2019

Looking for car finance with a not-so-perfect credit score was a daunting thought. Then I found My Car Credit. All I can say is what a simple and easy process the online application is, no pressure sales at all, very patient with my questions, excellent service, which is few and far between these days. Only took 4 days from my application to have the funds paid out to the dealership, now the owner of a nearly new car. I couldn’t be happier, and the interest rate was far better than anticipated.

Matt R

24th Aug 2018

The application process was really easy. Identifying our car was quick, especially as we knew what we wanted and then the purchase process was seamless! Our advisor was really helpful throughout the process and now we have a new car for a price that is affordable even with our poor credit.

Chris MT

27th Sep 2018

I had an amazing experience with this company. After being refused elsewhere and feeling down, this company was like a breath of fresh air. The customer service was second to none. Got everything done promptly with no hassle. Definitely recommend.

Shahida

28th Sep 2019

Much more efficient and friendly than the main name competitors and found me a 25% lower rate. They also let you get on with your day to day without constantly hounding and calling like other companies, but at the same time still communicate effectively.

Rhys T

27th Feb 2019

Great company to deal with. Agreed finance even though my credit score was low, not through bad credit but through little credit.

Claire M

11th July 2019

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810