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At Volkswagen of South Charlotte, our goal is to make every step of your car buying experience as quick and transparent as possible. Get started by filling out our easy online application.
We offer our customers a wide range of carefully chosen financing options, from among the most competitive and affordable lenders available.
Our Finance Department will work with you to complete your personalized credit application as quickly as possible.
Integrity is one of the most important aspects of our business. Our lenders have a great reputation of keeping personal information private. We also offer our “First Mile Protection Plans” with all of our auto sales to ensure your complete satisfaction.
You can always count on Volkswagen of South Charlotte to give it to you straight when it comes to auto financing. It’s important to us our valued customers understand the different loan options and how we can help secure the best fit for you and your budget. There are lots of factors that are important in determining which financing option is the best fit for you. Some of the main factors considered include:
At Volkswagen of South Charlotte, we expect everyone on our staff – sales professionals and finance professionals alike – to keep your needs and your budget in mind from the very beginning of the sales process. We want to help put you into a vehicle that’s a perfect fit for your needs without overburdening your bottom line.
Auto financing really isn’t quite as complex as some would like you to believe. There are lots of factors that affect your monthly payment, but there are some basic factors that go into determining your monthly payment regardless of who handles your financing. These include:
|Total Amount Financed||Number of Months Financed||Annual Percentage Rate||Monthly Payment||Details|
|$20,000||60 months||10.00||$424||Standard financing
|$18,000||60 months||10.00||$382||Reducing 10% of the financed amount equates to 10% less in payments|
|$20,000||66 months||10.00||$395||Increasing length of loan by 10% equates to a 7% reduction in monthly payment|
|$20,000||60 months||9.00||$415||A 10% reduction in interest equates to a 3% payment reduction|
The biggest factor any auto lender will use in determining the terms of your car loan is your credit score. There are a number of major credit reporting agencies, and each one tallies your score using their own method. The lender then uses one or more of the credit agencies’ scores to make their lending decision.
Credit scores typically run between 350 and 850
As a rule the closer the score is to 850, the lower the risk is thought to be.
Don’t have A-1 credit? Join the club! At VW South Charlotte, we understand that good people find themselves with less-than-perfect credit scores for any number of reasons. Because of that, our finance department has established relationships with finance companies that are willing to take a chance on people who are trying to rebuild from challenging credit situations.
Don’t assume you can’t get a car loan. We help people with rough credit every day and are happy to help you get the financing you need to put yourself behind the wheel of a new VW or a top-notch used vehicle. Even if others have said “no,” we can often get the lenders we work with to say “yes.”
Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.
Great New Vehicle APR!*
Competitive Used Vehicle Rates*
We have hundreds of new and used Volkswagen vehicles for immediate delivery and access to some of the lowest interest rates in the business.
Once the application is completed, the Volkswagen of South Charlotte finance team will put together a loan package that is tailored specifically for you.
Regardless of how good your consumer credit score may be, purchasing an automobile is often a challenging task. If you’re a first-time buyer, have a shorter credit profile, or simply have a few dings to your credit, it might be quite grueling. So we’ve accumulated several finance and borrowing suggestions to make your entire car-buying experience as effortless as possible.
Your sales professional will assist in determining what price level of automobiles is appropriate for the payment you are considering. You can also use monthly payment calculator above to get an idea of what your payment may be before you stop by.
Raising your initial payment reduces your entire monthly payment, and will strengthen your offer and probability of acceptance.
Be sure to provide accurate and complete information on your credit application.
You should have an idea how much value there is in your current vehicle, in the event you’re thinking of trading it in, and to also obtain an improved understanding of the total purchase. In case you aren’t certain, we can present you with a no-cost estimate of your current car, as well as contact your financing company so you can get the most accurate vehicle value.