Our Financial Hardship Department will assess your individual situation and provide options. This may be short term and in some cases long periods of time dependent on your situation.

Each situation is assessed on its own merits. You may need to provide further information such as proof of income, liabilities, expenditure and anything that is applicable to your circumstances.

We are required to provide you with an outcome or next steps within 21 days of you submitting your application. However, in most cases you will receive a response sooner. 

No, there will be no collections activity during this period as long as you comply with your hardship arrangement.

We will advise you in writing of the reason. You may wish to seek further financial advice from a financial advisor or a third party in regards to the alternate options that may be available to you.

If you are unsatisfied with our response, you can contact our Financial Hardship Department on 1300 734 567 (Option 1) to discuss our decision. If your concern is still not resolved, you may lodge a complaint via our internal disputes resolutions scheme by emailing feedback@vwfs.com.au 

i. Consumer Loan

With 100% finance for approved customers, there’s nothing to pay upfront. You have options to personalise your loan by choosing the contract term length or paying a deposit amount of your choice and/or tailoring your repayments to suit your needs. A competitive fixed interest rate means you can budget with confidence. When your last payment is made, your new Ducati is completely yours.

All Consumer Loans are subject to eligibility criteria and Ducati Financial Services credit lending criteria. 

ii. Chattel Mortgage

A Chattel Mortgage (Business/Commercial loan) might be the right option for you if your Ducati is for business purposes. You can take ownership of your Ducati 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 Ducati. You can tailor your Chattel Mortgage to your business needs.

All Chattel Mortgages are subject to eligibility criteria and Ducati Financial Services credit lending criteria. 

Eligible customers can borrow up to 100% of the cost of their vehicle, including all on-road costs, accessories/apparel and even registration. Of course, the amount you can borrow depends upon your personal situation and the type of finance you want to arrange. Your Business Manager can help you work out exactly how much you can borrow when you visit your Ducati dealership.

  

No, unless specified on a Ducati offer, you are free to set your own deposit. A higher deposit paid upfront will reduce your weekly, fortnightly or monthly repayment, so you can choose what works for you. 

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

• Why you’re buying a motorcycle - is it for business or personal use?
• Your current driver's licence number and its expiry date.
• How much you earn. Make sure you bring recent pay slips with you, 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 or credit facilities
• Your residential address and place of work for the past three years.

Your Business Manager may also ask you for other personal information, depending on your situation. 

This will depend on your circumstances and what you want to achieve with both your vehicle and your finance package. A Ducati Financial Services Business Manager will be able to walk you through your options in the dealership. You should also ask your accountant or seek independent advice about which finance solution would suit your requirements.

Use our ‘Find a dealer’ tool to find Ducati dealerships near you. Our Preferred Dealers all have Ducati Financial Services specialists ready to help you find the best package possible.

This will depend on your individual circumstances and the type of visa you have. You should talk to the Business Manager at your local dealership for more specific advice.

Our interest rates are fixed for the life of your contract term. So they’re easy to budget for, with no unexpected rate rises.

We’re always looking for ways to improve our service, so we welcome any feedback you have. The easiest way to get in touch is to email customerservice@vwfs.com.au

In most cases the sooner you inform us of a problem, the easier it will be to resolve. But generally, there is no time limit for telling us about your concerns.

Yes. It is covered by the same confidentiality and privacy rules as the finance we provide you.

  

Yes. However, you will need to give us your written consent that you give authorisation to another person to pursue the complaint. This is so we do not breach your privacy when we discuss your complaint with them.

You can manage your vehicle finance using our online finance platform – myFinance Portal. It only takes a few minutes to sign up. Once you’ve registered, login using your email address as your username.

Enjoy the flexibility of managing your vehicle finance, from one convenient place online. Some of the features you can expect to see:

• Keep track of your repayments and loan balance
• View your vehicle and loan details
• Change your direct debit details
• Download statements
• Update your personal contact details
• Request a copy of your contract

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 enquiry or email customerservice@vwfs.com.au

Ducati Financial Services holds security over all vehicles financed with us. You may negotiate with a purchaser to sell your motorbike, however you are obligated to pay your loan in full upon the sale of your financed vehicle.

You can obtain a final payout quote and details on how to pay by submitting an online enquiry, emailing customerservice@vwfs.com.au or phoning 1300 734 567. We are unable to confirm this amount to the purchaser due to privacy, so simply pass them a copy of the Payout letter that you can request from our office.

The PPSR/Financial interest will be removed exactly 7 days after we receive the full payout amount to finalise your loan. This is to allow time for the payment to clear. 

Provided your payments are not less than the minimum monthly repayment, you can change the amount. You can also choose to make your payments weekly or fortnightly. Please submit an online enquiry or email customerservice@vwfs.com.au and we will be happy to help you update your payment amount. 

At Volkswagen Financial Services Australia, we have customers who make their payments on a weekly, fortnightly and monthly basis. You can request to change your payment frequency by contacting our customer service team who can assist you. You can also request to have a different direct debit payment date. Again, our customer service team can give you more information and assist you with these options. 

To receive a copy of your loan statement you can login into the myFinance portal here or please submit an online enquiry or email customerservice@vwfs.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.

To amend the banking details which your payments are debited from, you can change your direct debit details via the myFinance portal here. 

Ducati Financial Services are unable to offer a transfer of finance. If you are considering changing the vehicles ownership to another party, the loan will need to be paid out in full. If you would like to obtain a payout figure and information on how to pay, please submit an online enquiry or email customerservice@vwfs.com.au and we will be happy to provide you with this information.