How Much Down Payment for Used Audi Financing?
Put at least 10% down on a used 2025 Audi A6. This means $4,200 on a $42,000 car. You get better loan terms. Monthly payments drop. Total interest falls. Lenders view you as low risk.
Why 10% Down Makes Sense for a Used Audi A6
Used 2025 Audi A6 models hold value well. They lose less than new luxury cars. New sedans drop 20% in year one. Used A6 prices stay steady at $42,000 into 2026. A 10% down payment keeps you from owing more than the car is worth.
Lenders give lower rates with bigger down payments. You borrow less. On $42,000, 10% down means you finance $37,800. Trade in your old car to hit that $4,200 mark.
How Down Payment Changes Your Payments
This table shows costs at 7% APR over 60 months:
| Down Payment | % Down | Amount Financed | Monthly Payment |
|---|---|---|---|
| $0 | 0% | $42,000 | $833 |
| $4,200 | 10% | $37,800 | $750 |
| $8,400 | 20% | $33,600 | $667 |
Put 10% down and save $83 each month. You save more over the full loan term.
Can You Finance a Used Audi A6 with 0% Down?
Yes. Many lenders offer 0% down on used Audis. Credit unions give terms up to 6 years. Check your credit score first. Strong credit gets you the best rates.
Zero down raises monthly payments. You pay more interest overall. Save cash when you can. Keep your emergency fund full.
Tips to Pick Your Down Payment
- Check your budget: Target 10% to 20% of the price. Make sure it fits your monthly payments.
- Trade in your car: It counts toward your down payment.
- Shop loan rates: Get pre-approved from banks, credit unions, and dealers.
- Add extra costs: Include taxes and fees in your financed amount.
- Skip low down payments: Under 10% often means higher rates or longer terms.
Sidekick calculates full costs for your 2025 Audi A6. It shows how down payments affect your payments.