Volkswagen Credit Auto Loan
Volkswagen Credit Auto Loan
in Auto Loans from Volkswagen Credit

Volkswagen Credit Auto Loan

in Auto Loans from Volkswagen Credit
SuperMoney Net Recommendation Score -67  


This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Credit Score Range 650 - 850
Loan Amount $10,000 - $100,000
APR  (Fixed APR) 0.9% - 11.9%
Loan Term (Months) Up to 72 months
Number of Reviews 43

Volkswagen Credit Auto Loan Review

Volkswagen Credit Auto Loan is offered by Volkswagen Credit, a financial services company founded in 1981 and based in Libertyville, OR. Volkswagen Credit Auto Loan are available in 50 states (and Washington, DC).

VW finance FAQ

How much can you borrow via VW finance?

VW finance loan amounts start at $10,000 and go up to $100,000.

What APR does VW finance offer on its car loans?

VW finance offers a fixed apr car loan product that ranges from 0.9% APR up to 11.9% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with VW finance?

VW finance has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does VW finance charge an origination fee?

Yes, VW finance may charge a loan origination fee.

Does VW finance charge a late fee?

Yes, VW finance charges borrowers with a late payment penatly fee

Does VW finance charge prepayment fees?

Yes, VW finance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my VW finance loan?

Yes, you can. However, VW finance charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Volkswagen Credit Auto Loan?

Applicants with a credit score of at least 650 and up to 850 may be eligible for Volkswagen Credit Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Volkswagen Credit Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Volkswagen Credit Auto Loan only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members are eligible to apply for a loan via Volkswagen Credit Auto Loan. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via VW finance?

VW finance will typically approve (or deny) a car loan application within 24 hours and fund the car loan within 7 business days of approval.

Is Volkswagen Credit a legit company?

Volkswagen Credit was founded in 1981, it is a well-established company that has been in business for 42 years. Volkswagen Credit Auto Loan are strongly not recommended by SuperMoney community users.

Volkswagen Credit Auto Loan Disclosure: "Not all customers will qualify for credit approval or advertised APR."
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From VW finance

VW Credit, Inc. was founded in 1981 as a captive financial services company belonging to the Volkswagen Group of America, Inc. VCI services Volkswagen, Audi and Ducati customers, authorized automobile and motorcycle dealers and their affiliated stores as Volkswagen Credit, Audi Financial Services or Ducati Financial Services. The company provides competitive financial products and services to dealers and their customers in the USA. VCI also manages and markets brand financial services through third parties. It is based in Herndon in the state of Virginia.

At Volkswagen Credit, we want our customers to be confident automotive consumers. We give you the tools, information, and resources you need for a clear and easy financing experience. Whether you lease or buy a VW, the most important thing is that you enjoy the ride.

Message From Our Editor

What we love about Volkswagen Credit

Volkswagen Credit does a lot right. You can easily view inventories for local Volkswagen dealers online and view the prices for the cars before you ever set foot on a dealership’s lot. You can even buy your vehicle online, skipping the stressful sales and negotiation process. Rates are also competitive and there are incentive programs that you can use to save money on your purchase.

What could Volkswagen Credit do better?

Like any lending program tied to a certain brand of car, the obvious drawback is that you can’t use Volkswagen Credit to buy a car other than a Volkswagen. If you’re not 100% sure that you want to buy a Volkswagen, you’ll probably want to get a loan that doesn’t have that restriction.

Volkswagen Credit also has a reputation for poor customer service, which is something that can be annoying if you ever have questions or difficulties with your loan. An example of this is that the interest rate and other terms for your loan aren’t always clear upfront. You may have to visit a dealership to get the full details of your loan, which eliminates some of the benefits of the company’s online shopping portal.

Volkswagen Credit‘s backstory

Volkswagen is a German automaker founded in 1937. The company is one of the largest car makers in the world and sold the most vehicles worldwide in 2016 and 2017. The company opened Volkswagen Credit in 1981 to help customers get financing to purchase a Volkswagen.

The Verdict

 If you know for certain that you want to buy a Volkswagen, it makes sense to check with Volkswagen Credit to see the loans you can qualify for. Just keep in mind the company’s reputation for poor customer service. If you’re still shopping around to decide the type of car you want to buy, opt for a different lender.


About Volkswagen Credit Auto Loan


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Maximum Vehicle Age 3
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 650 - 850
APR Type Fixed APR
Loan Amount $10,000 - $100,000
APR (Fixed APR) 0.9% - 11.9%
Loan Term Up to 72 months

Volkswagen Credit Auto Loan Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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