Also known as: Volkswagen Financial Services; VW Financial Services; Audi Financial Services; SEAT Financial Services; ŠKODA Financial Services; Porsche Financial Services
Volkswagen Financial Services (UK) Limited, often called VWFS, is the captive finance arm of the Volkswagen Group in the UK. It provides vehicle finance, insurance, and fleet management services for vehicles from the Volkswagen Group of brands, which includes Volkswagen, Audi, SEAT, Skoda, Porsche, and others.
Finance products are arranged through authorised dealerships at the point of sale. The main products are Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. PCP is popular because it offers lower monthly payments, with an optional larger payment at the end if the customer wants to keep the vehicle. HP involves fixed payments and the customer owns the vehicle at the end.
VWFS also provides dealer financing products, used vehicle finance, and fleet management services for businesses.
VWFS has been involved in the broader FCA review of motor finance commission arrangements. If you have or had a Volkswagen Group vehicle finance agreement, it may be worth checking the FCA's consumer guidance on this matter.
Customer finance agreements are managed through a customer portal at customer.vwfs.co.uk. Contact details for existing customers are available on their website. Volkswagen Financial Services (UK) Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling to meet your vehicle finance repayments, contact VWFS as early as possible. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are entirely free and confidential.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Volkswagen Financial Services (UK) Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal Contract Purchase (PCP); Hire Purchase (HP); Personal Contract Hire (PCH); Business contract hire; Insurance products
Trading names and group notes
The FCA issued a Final Notice against VWFS (UK) Ltd in 2024 relating to discretionary commission arrangements. Subsidiary of Volkswagen Financial Services AG.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.3
~11,258 reviews
Overall public sentiment
Excellent on Trustpilot — praised for professional, helpful staff and smooth processes. Some negative reviews relating to billing discrepancies and incorrect vehicle specifications.
Review sources
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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