Škoda SmartChoice

Škoda SmartChoice is our approach to flexible, worry-free ownership. With 7.95% finance and a built-in 3-year Škoda Smart Service Plan, it’s the smarter way to get behind the wheel and stay there with confidence.

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Smart financing with Škoda SmartChoice

When it comes to financing your new Škoda, we make it easier than ever to drive away in the car you love. Enjoy a low 7.95% interest rate with flexible finance terms, available through either a credit agreement or a Guaranteed Minimum Future Value (GFV) finance plan.

To give you even more value, every finance package includes a 3-year Smart Service Plan, built into your weekly payments—so you can keep your Škoda in top condition without any unexpected costs.

Whether you're upgrading or buying new, Škoda’s SmartChoice finance packages are designed to make ownership more affordable and worry-free.

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Terms and Conditions

Škoda SmartChoice finance terms and conditions

The Škoda SmartChoice finance package is a flexible finance package that allows you to choose between a Credit agreement or Škoda Guaranteed Minimum Future Value agreement, with a 7.95% p.a interest rate and the option of a 3-year Škoda Smart Service plan (valued at $1,100) included in your repayments. Škoda non-maintained and fully maintained lease options are also available.

This Škoda Finance 7.95% p.a. interest rate offer is fixed for the term of the loan and available for terms up to 60 months, from no deposit required and with a range of end of term residual or Škoda Guaranteed Minimum Future Value payment options depending on your chosen loan term. A PPSR fee of $10.35, monthly maintenance fee of $2, UDC loan fee of $130 and dealer origination fee will apply (your dealer can tell you their applicable fee). This 7.95% p.a. offer is available on all new Škoda vehicles financed from 1 September 2025 until otherwise advised. Škoda Finance and Škoda Future Value is provided by UDC Finance Limited. UDC’s lending criteria and standard terms and conditions apply. Škoda Guaranteed Minimum Future Value terms and conditions apply.