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].
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.
Audi Financial Services provides several ways to make payments, all requiring a checking account[1].
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].
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].
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:
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].
While Audi Financial does not accept credit cards directly, third-party services provide a legitimate workaround[2].
To make a payment with Western Union, provide the following information[2]:
Western Union accepts credit cards, debit cards, and cash at participating locations and online. Convenience fees apply and vary by payment method and amount.
To make a payment with MoneyGram, use[2]:
MoneyGram also accepts credit cards, debit cards, and cash. Both services charge fees ranging from $3-$15 depending on the payment amount.
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 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.
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.
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.
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].
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.
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