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No, Audi Financial Services does not accept credit cards for monthly lease or loan payments[1]. The only payment methods accepted directly by Audi Financial are checking accounts—either through one-time payments or AutoPay enrollment[1]. However, credit card payments are possible through third-party services like Western Union or MoneyGram, which charge convenience fees[2].
Why Audi Financial Does Not Accept Credit Cards
Audi Financial Services explicitly states across its FAQ and payment pages that credit cards are not accepted[1]. This policy applies to all payment methods—online payments, phone payments, and AutoPay enrollment[1].
The primary reason automotive lenders avoid credit card payments relates to merchant processing fees. Credit card companies typically charge 2-3% per transaction[3]. For a $600 monthly car payment, this translates to $12-$18 per transaction that the lender would need to absorb or pass on to customers. Most auto finance companies, including Audi Financial Services, choose to avoid these costs entirely by limiting payments to bank transfers.
This policy aligns with industry standards across luxury automotive brands. BMW Financial Services, Mercedes-Benz Financial, and Lexus Financial similarly restrict payments to checking accounts. If you’re considering an Audi and want to compare financing options, understanding what MSRP means can help you negotiate better terms.
Accepted Payment Methods
Audi Financial Services provides several ways to make payments, all requiring a checking account[1].
Online Payments via myAudi
The myAudi portal allows customers to make one-time payments or set up recurring AutoPay[1]. After logging in, navigate to the Audi Financial Services section to access payment options. Payments scheduled by 11:59 p.m. CT Monday through Saturday are credited to your account on the selected date[1].
Phone Payments
Call the automated system at (888) 237-2834, enter your account number or Social Security number, and select Option 1 to make a payment[1]. Have your bank routing number and checking account number ready. Payments initiated on Sundays and bank holidays before 11:59 p.m. CT are credited on the second business day[1].
Mail Payments
Send checks payable to Audi Financial Services to the address on your monthly invoice[2]. Ensure your account number is clearly written on the check. Allow 5-7 business days for mail delivery[2]. The mailing address is:
- Audi Financial Services
- P.O. Box 5215
- Carol Stream, IL 60197-5215
AutoPay Enrollment
AutoPay automatically withdraws your monthly payment from your checking account on your scheduled billing date[1]. To enroll, log in to myAudi and click “Enroll in AutoPay” on the homepage. You will need your bank routing number and checking account number[1]. If you have multiple vehicles financed through Audi Financial Services, each requires a separate AutoPay enrollment[1].
How to Pay with Credit Card (Workarounds)
While Audi Financial does not accept credit cards directly, third-party services provide a legitimate workaround[2].
Western Union Quick Collect
To make a payment with Western Union, provide the following information[2]:
- Audi Financial Services Account Number
- City Code: “Car”
- State Code: “IL”
Western Union accepts credit cards, debit cards, and cash at participating locations and online. Convenience fees apply and vary by payment method and amount.
MoneyGram
To make a payment with MoneyGram, use[2]:
- Audi Financial Services Account Number
- Receive Code: “6222”
MoneyGram also accepts credit cards, debit cards, and cash. Both services charge fees ranging from $3-$15 depending on the payment amount.
Third-Party Bill Pay Services
Services like Plastiq allow credit card payments for bills that typically do not accept cards[4]. These platforms charge a fee (typically 2.85%) but enable earning credit card rewards on car payments[4]. Whether this approach makes financial sense depends on your credit card’s rewards rate—a 2% cash back card would result in a net loss, while a 3%+ rewards card or a sign-up bonus could justify the fee.
doxo Bill Pay
doxo allows users to pay Audi Financial Services with Visa, MasterCard, Discover, or Apple Pay[5]. Service fees apply, and payments are processed through doxo’s platform rather than directly to Audi Financial.
Credit Card Payment at Dealers
When purchasing an Audi at a dealership, credit card acceptance varies by dealer policy[3]. Most dealerships limit credit card payments to $1,000-$5,000 to minimize merchant fees[3]. Some dealers may allow larger credit card payments but add a 2-2.5% surcharge to cover processing costs[3].
This limitation only applies to the initial purchase—not to monthly financing payments through Audi Financial Services. If you’re exploring Audi ownership, you may also want to learn whether Audi can be serviced anywhere or if dealership service is required.
Important Payment Policies
Grace Period
Audi Financial Services provides a grace period of 7-15 days for late loan payments[2]. If you anticipate missing a payment, contact Audi Financial at (888) 237-2834 to discuss a potential one-time payment deferral[2]. Finance charges continue to accrue on unpaid balances during this period.
Payment Processing Times
Allow up to 6 business days for payments to withdraw from your bank account[1]. Payments made on weekends or bank holidays are credited on the second business day after initiation[1].
Wells Fargo Transition (May 2025)
As of May 1, 2025, new Audi financing contracts are processed through Audi Retail Finance powered by Wells Fargo[1]. These customers manage accounts through Wells Fargo Online or the Wells Fargo Mobile app rather than myAudi[1]. Payment policies may differ for Wells Fargo accounts.
Key Takeaways
- Audi Financial Services only accepts checking accounts for payments—credit cards are not accepted directly
- Third-party services like Western Union (City Code: “Car”, State Code: “IL”) and MoneyGram (Receive Code: “6222”) allow credit/debit card payments with convenience fees
- AutoPay requires a checking account and must be set up individually for each financed vehicle
- Audi dealerships typically cap credit card payments at $1,000-$5,000 for vehicle purchases
- As of May 2025, new financing contracts are managed through Wells Fargo, not myAudi
Frequently Asked Questions
Can I pay my Audi lease with a debit card?
Is there a fee to make payments through myAudi?
Can I pay at an Audi dealership?
What happens if I miss a payment?
Late payments result in finance charges accruing on your unpaid balance[2]. Contact Audi Financial Services at (888) 237-2834 to discuss payment assistance options[1]. Depending on your situation, you may qualify for a payment deferral[1]. If you’re experiencing financial difficulties with your Audi A4 or other model, reaching out early provides more options.
Can I earn credit card rewards on my Audi payment?
Yes, by using third-party services like Plastiq, you can pay with a credit card and earn rewards[4]. However, service fees (typically 2.85%) must be weighed against your rewards rate. This strategy only makes financial sense if your card offers more than 2.85% in rewards or if you are meeting a sign-up bonus spending requirement.
References
- Audi USA. (2025). Ask anything about Audi Financial Services – FAQs. https://www.audiusa.com/en/shopping-tools/financial-services-hub/faqs/
- Jerry Insurance. (2025). Audi Payments: What You Need to Know. https://jerry.ai/car-loan/audi-payments/
- Reddit r/Audi. (2024). Has anyone with the entire purchase of their Audi on credit card? https://www.reddit.com/r/Audi/comments/1eql1un/
- Leasehackr Forum. (2024). Paying monthly payment (Audi) with a credit card? https://forum.leasehackr.com/t/paying-monthly-payment-audi-with-a-credit-card/526400
- doxo. (2019). Audi Financial Services | Pay Your Bill Online. https://www.doxo.com/p/audi-financial-services
I am a senior automotive analyst at Autvex. Expert vehicle evaluations, in-depth reviews, and objective analysis helping readers make informed automotive decisions with years of industry experience.
