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Financing

Welcome to the Finance Department. Here you can use our online form to get a quick and accurate response on financing your next vehicle. Your financing information is encrypted in a super-safe digital format and is never sent through E-Mail.

Get a Free Birmingham Car Loan Quote. Most people need a car loan to finance their new car or
 used car purchase. Our finance expert Tracy Ledbetter at Tom Williams Audi help people with all types of special finance needs drive their dream car home. Regardless of where you are in the car buying process, request a free, secure auto loan quote. Tom Williams Audi works with only trusted lenders to bring you low rates and flexible terms. Use this easy guaranteed secure auto loan application and get started with buying a car today!

Lease vs. Buy

Whether you lease or buy a new car, you must know which fits your situation best. When you buy a car, you pay for the whole vehicle. You will usually make a down payment, pay the sales taxes in cash or roll these taxes into your auto loan and pay an interest rate. You usually will make your first payment a month after you sign your contract. This option is great if you like to keep your cars for a long period of time and have a need to put unlimited miles on the vehicle.

When you lease, you are paying only for what you use. You do not have to have money to put down, you typically only pay sales tax on your monthly payments, and are charged with a money factor that is similar to the interest rate on a loan. You make your first payment at the time you sign your contract.



We are ready to make your auto buying experience a stress free one. Our staff, online or onsite, is ready to help you!

For New or Used Car Loan Questions Call: 205-1-800-571-7461
Earl Harris
Finance Director


Birmingham Audi Financing and Car Loans - Tom Williams Audi

When it comes to car loans and leases in the Birmingham area, you simply will not find lower auto financing rates anywhere else. Our experienced Tom Williams Audi auto loan staff is waiting to approve your next auto loan today. If you need a car loan for a new Audi or used car, you have come to the right place.

Quick and easy car loan approvals in greater Birmingham are available for both new Audi and used cars. We can help with your auto loan approval today; whether you have bad credit or perfect credit, or fall somewhere in between! Getting approved for a car loan in the Birmingham area online is free, and there are no obligations to buy. You can quickly and easily get approved for your next car loan with us because Tom Williams Audi has an extensive nationwide network of lenders. Whether it is a new Audi or a used car, auto loans are available for all makes and models. Apply online today using our auto financing application form, and get approved quickly.

Let us customize a car loan program to fit your needs. Visit us in person by coming to 3001 Tom Williams Way, or call us at (800) 571-7461.

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Contact Information

Contact Information

Tom Williams Audi

3001 Tom Williams Way

Irondale, AL 35210
sales Sales:
800-571-7461
phone2 Service:
800-572-0274
phone3 Parts:
800-572-0274

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.