Last Updated: 04/18/2025
Volkswagen Credit Auto Loan
Unaffiliated
in Auto Loans from Volkswagen Credit
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -66
Strongly not recommended41 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$10,000 - $100,000
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APR (Fixed APR)
0.9% - 11.9%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Loan Term (Months)
Up to 72
Number of Reviews
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. VW finance 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.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via VW finance?
VW finance will typically fund the car loan within 7 business days of approval.Does Volkswagen Credit perform a hard credit pull?
Yes, VW finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Volkswagen Credit a legit company?
Volkswagen Credit was founded in 1981, it is a well-established company that has been in business for 45 years. Volkswagen Credit Auto Loan is strongly not recommended by SuperMoney community users.
Volkswagen Credit Auto Loan Disclosure: "Not all customers will qualify for credit approval or advertised APR."
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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
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.