Editor's choice: Carvana
- Most credit types welcome
- 45-day preapproval
- Seven-day guarantee
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Though not quite a luxury auto brand, Volkswagen — which means “people’s car” in German — offers European-made vehicles at midrange prices. If you’re in the market for a new or preowned VW, you have quite a few financing options to consider. And you might even qualify for one of the manufacturer’s special buying programs to save on fees or even score a bonus.
Got your heart set on a new VW, but not sure how you’re going to pay for it? You’ve got options. If you have time to shop around, consider taking out a car loan or personal loan from a bank, credit union or online lender. A car loan usually comes with more favorable rates and terms than a personal loan, since your loan is secured by the car you’re purchasing.
Another option is to finance or lease your car directly through Volkswagen itself. While this is usually faster than going through a bank or online lender, it may not be the most cost effective.
Aside from Volkswagen Credit’s special rates and programs, a dealership may offer its own deals including intro APRs, low down payments or special trade-in options. As with all loans, the rates and terms you qualify for will depend on your credit score and financial situation.
*Rates as of October 24, 2018.
If you’re a recent college grad, business owner or first-time buyer, you may be able to score a discount by financing or leasing your new car through Volkswagen Credit. Some of its special programs include:
The cost of your next VW will vary based on your negotiating skills and where you live. However, you can use the manufacturer suggested retail price (MSRP) to gauge how much you may need to borrow — which could be as little as $18,545 to as much as $38,845 or more.
Volkswagen offers its customers a 6-year, 72,000-mile limited warranty. And don’t worry if you’re not the first owner of the car — if the warranty hasn’t expired, it’s transferable to you. Some models, specifically electric cars, may come with a different warranty.
If you’re looking to get behind the wheel of a new or preowned VW, you’ve got plenty of financing options to choose from. While financing or leasing through Volkswagen Credit is probably your fastest option, you may be able to score a better rate with a car loan from a bank or online lender.
Ready to get started? Check out our guide to car loans to learn how it all works and compare more lenders.
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