Volkswagen Credit auto loans review 2021 |
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Volkswagen Credit review

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In-house financing with multiple discount programs and repayment options.

  • Best for loyal VW lessees or anyone looking for a discount.
  • Pick something else if you want clear, upfront rates.


Product NameVolkswagen Credit
Loan term1 to 6 years
Financing typesPurchase,Leasing
Eligible car typesNew,Certified Preowned
Cosigners allowedYes

Pros and cons


  • Multiple discount programs available
  • Sample account statement so you know exactly what to expect with your bill
  • Multiple repayment options available


  • Rates aren’t listed on its website
  • Poor rating from the BBB

Volkswagen Credit special discounts

  • Military: Yes
  • College grad: Yes
  • Repeat customers: Yes
  • First responders: Yes
  • Accessibility equipment: Yes

Volkswagen Credit reviews and complaints

BBB accredited No
BBB rating F
BBB customer reviews 1 out of 5 stars, based on 41 customer reviews
BBB customer complaints 181 customer complaints
Customer reviews verified as of 19 October 2020
There’s no Trustpilot page for Volkswagen Credit as of October 2020, but the Better Business Bureau (BBB) page holds a handful of reviews — and most of them are negative. On top of the reviews, it also has close to 200 complaints lodged through the BBB.

How to apply

Volkswagen Credit has a simple online application that should only take a few minutes to complete:

  1. Visit the Volkswagen Credit website and click Apply for financing.
  2. Select your vehicle year, model and trim.
  3. Select Single or Joint application, the type of financing you want and your preferred term.
  4. Enter your down payment and information about your trade-in, if applicable.
  5. Enter your full name, date of birth, Social Security number and contact information.
  6. Enter your housing information, including your monthly rent or mortgage payment.
  7. Enter information about your employment and income.
  8. Select an authorized Volkswagen dealership, review your application and read over the terms and conditions.

Once Volkswagen processes your application, you can visit your selected dealership to discuss your financing options and test drive your VW.

How do repayments work?

Volkswagen offers a variety of repayment options to make things easy for you:

  • Through its online payment portal
  • Through automatic ACH transfers from your bank account
  • By phone
  • By mail
  • By MoneyGram or Western Union

Compare other car loan options

Data updated regularly
Name Product Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Starting at 1.04%
Up to 10 years
Active membership with PenFed
Low APR car loans from a well-known credit union.
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.

Compare up to 4 providers

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