Yes, Audi’s best used car finance rate on a PCP is 6.9% and only applies to some cars at promotion times. The usual is 10.9% but you can usually get that down to 9.9% or slightly lower. 6.9% is good considering the new car is 6.2%
The 3.99% won’t apply to PCP, it’s pretty much a bank loan against the car, you may do slightly better with mainstream banks at 3% if you have a good credit file. If you’re going down this path of buying outright with cash, it’s best to find a private sale rather than a dealer and cut the middle man out. The cars are brand new pretty much and covered by Audi’s warranty.
I doubt there’s much chance for discount on those prices, maybe £1k on the higher priced cars, can’t see a lot being taken off the cheaper cars.
It must have changed then or be for RS models. My car now was an Audi Used Car and I got 5.9% APR without any bargaining, that was last year in May. He did get back to me now with a PCP quote, a bit confusing though. He said 'PCP would be roughly the same with a £5k deposit over 36 months would be roughly £1179 per month then with a final balloon payment of £4186.25 subject to credit checks.' So a pretty small balloon payment compared to regular GFVs.