Finance at Volkswagen of South Charlotte

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.

Budget Conscious Solutions

We offer our customers a wide range of carefully chosen financing options, from among the most competitive and affordable lenders available.

Quick Application Process

Our Finance Department will work with you to complete your personalized credit application as quickly as possible.

Honesty & Integrity

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.


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Phone Numbers:Sales Hours:
  • Mon - Fri8:30 AM - 8:00 PM
  • Sat9:00 AM - 7:00 PM
  • Sun12:00 PM - 6:00 PM
Service Hours:
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat8:00 AM - 5:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat8:00 AM - 5:00 PM
  • SunClosed


Car Loan Decisions & How They’re Made

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:

  1. Your income
  2. How long you’ve been at your current job
  3. Your credit score and history
  4. Your trade in and down payment
  5. The type of vehicle you are purchasing

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.

Factors Affecting Your Monthly Payment

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:

  1. The Annual Percentage Rate (APR) of your loan
  2. The length of your loan
  3. The total amount of your loan (purchase price of the vehicle, less any down payment and trade)


View How Your Payments Are Affected

Total Amount FinancedNumber of Months FinancedAnnual Percentage RateMonthly PaymentDetails
$20,00060 months10.00 $424Standard financing
$18,00060 months10.00 $382Reducing 10% of the financed amount equates to 10% less in payments
$20,00066 months10.00 $395 Increasing length of loan by 10% equates to a 7% reduction in monthly payment
$20,00060 months9.00 $415A 10% reduction in interest equates to a 3% payment reduction

Credit Scores and Your Auto Loan

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.

By the Numbers

Credit scores typically run between 350 and 850

Risk Assessment

As a rule the closer the score is to 850, the lower the risk is thought to be.

Financing with Challenged Credit

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.”

How Is Your Credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best – I never miss a payment!

The Volkswagen of South Charlotte loan process can help you find the best interest rate for your next vehicle purchase.Try our FREE credit application today!

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.

*Rates subject to change. Please see dealer for up to date rates.

OK – I’ve missed a payment or two.

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Volkswagen vehicles currently available for immediate delivery.

Not So Good – I need to rebuild my credit…

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.To get started, fill out our FREE credit application online.

Once the application is completed, the Volkswagen of South Charlotte finance team will put together a loan package that is tailored specifically for you.

Tips for Car Finance and Budgeting

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.

Choose a car at a price tag that will fit your finances

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.

Optimize an upfront payment

Raising your initial payment reduces your entire monthly payment, and will strengthen your offer and probability of acceptance.

Ensure Accuracy

Be sure to provide accurate and complete information on your credit application.

Get an estimate on your trade-in vehicle.

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.

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(844) 822-6446

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9900 South Blvd • Charlotte, NC 28273

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Today's Hours:

Open Today! Sales: 8:30am-8pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Volkswagen of South Charlotte

9900 South Blvd Charlotte, NC

Phone: (844) 822-6446


Phone: (888) 257-4344

9900 South Blvd Charlotte, NC


Phone: 704-612-0407

9900 South Blvd Charlotte, NC

Mobile Sales

Phone: 704-612-0407

9900 South Blvd Charlotte, NC


Phone: 704-612-0407

9900 South Blvd Charlotte, NC

Mobile Service

Phone: 704-612-0407

9900 South Blvd Charlotte, NC
35.1039218 -80.8815334
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Volkswagen of South Charlotte
Volkswagen of South Charlotte
9900 South Blvd
Charlotte, NC, 28273 US
(844) 822-6446
Volkswagen of South Charlotte 35.1039218, -80.8815334.