What types of financing options do I have?

Every Volkswagen owner's different.

Volkswagen owners are an eclectic bunch.

That's why we offer plenty of options.

We've got plans for college grads, first-time buyers, leasing, and even for people
who don't like to make up their minds right away — called Driver's Option (you'll
find it detailed later on).

We offer competitive rates, can explain all your options clearly, and can take care
of everything in one place at one time, right at the dealership.

Should I buy a new VW or lease one?

To Buy or to Lease. That is the question. Time to figure out what's best for you. There are basic ways we can help you get into the VW you want.
Buying
When you finance a VW through Volkswagen Credit, you make monthly payments for the length of the loan.* And as soon as you pay it off, it's all yours. There's no mileage restrictions, excess wear charges, no due date for returning the vehicle. With terms from 12 to 84 months and competitive rates, there's a plan for your budget. But if this option isn't for you, read on.
Benefits of Buying
• Ownership
• Competitive Rates
• Flexible Terms
• No Mileage Restriction
• No Charges for Excess Wear
Leasing
This option is typically for folks who either want lower monthly payments, or to easily get into a brand spankin' VW every few years. In both cases, you simply choose how long you want to drive your new VW, from one to four years, then turn it back in when the time's up.** The longer you lease the vehicle, the lower your monthly payments are on average).

Plus, you can also opt to buy your VW at the end of the lease. Whatever works best for you, we want to help make it happen. Any of our local dealers will be more than happy to take you through the process in detail. Please check out VW's Wear and Use Policy** before deciding on this avenue.
Benefits of Leasing
• Lower Monthly Payments
    (on average)
• Keep Cash to Spend or Invest
• Flexible Terms
• End-of-term Options
Driver's Option
Can't decide whether to buy or lease? Then don't. Our Driver's Option Plan† offers the best of both worlds.

With Driver's Option (available in most states†) you choose how long you want the VW, pay your scheduled monthly payments, then you've got three options:

• One: Pay off the balance of what the VW's worth and keep it.
• Two: Refinance the balance of the VW's worth.
• Three: Turn your VW into a Dealer and walk away. (some additional charges
  may apply, as stated in our Wear and Use Policy**).


If this sounds interesting to you, one of our VW Credit consultants will be happy to tell you more about it.

* Subject to credit approval.

** Additional charges for excess wear and use, mileage or any addition amounts may apply.

† Ask your Volkswagen Dealer if available in your state.
Benefits of Driver's Options
• Lower Monthly Payments
    (on average)
• No Security Deposit
• No Acquisition Fee
• Three End-of-term Options

First Time?: A helpful starters guide for new car buyers

First Time Buyer Guide. Don't be a financial rookie. Read on.
College Grad Program
If you're graduating in the next 6 months, or graduated less than 24 months ago, check this out — our College Grad Program can get you behind the wheel of a VW even if you have no previous credit history.*

All you need is a full-time job or a commitment letter from your future employer. Wow. The size of your down payment depends on whether you buy or lease. If you do lease, there's no first month's payment or security deposit required. See your Dealer for additional information. It's our little way of saying congratulations. Here's a graduation gift.

Key Benefits
• No First Month's Payment**
• No Security Deposit
• No Credit History Required*
First Time Buyers
Compliments of VW Credit, we've designed a loan specifically to put first-time buyers behind the wheel of a VW more easily.

To qualify, the new VW of your desire has to be the first car you've ever financed. (Certified Pre-Loved Volkswagen models count, too). You have to have had a full-time job for the past year. Best of all, the minimum down payment is only 20%. Yep, 20%. A co-signer or credit history are usually not required. See a Dealer for full details.*
Key Benefits
• May Not Need a Co-signer
• Credit History May Not Be Required
• Establish Your Credit
* If you've already established credit, it must be in good standing.

** VW will pay up to $800 toward the first month's payment.

How can VW help protect me and my car?

VW RealDriver*
Volkswagen RealDriver (at participating dealerships only) offers a whole slew of extra coverage options to keep your mind off the worry, and keep it on the, "Wow, I wonder where that road goes..."
VW RealDriver* Products
• Extended Service Contracts
• Guaranteed Asset Protection (GAP)**
• Car Care (pre-paid maintenance)
• Road Hazard Tire & Wheel Protection†
• Courtesy Care††
Extended Service Contract
This is designed to cover most major components in your car againstmechanical breakdowns on all new or Certified Pre-Loved VWs. New plans can be purchased at any time before your Volkswagen's 4 year/50,000 mile limited manufacturer warranty is up. And Certified Pre-Loved plans must be purchased when you purchase the vehicle.
Guaranteed Asset Protection**
Also known as GAP for short, has to be purchased when you purchase your vehicle. Why do you need it? Let's say your VW gets totaled or stolen — your insurance company will only cover the market value of the car. GAP covers the "gap" between your car's market value and what you still owe. In most states, it also covers up to $500 of your insurance deductible.

All leased vehicles come with GAP coverage, standard. And, it's an option available on both new and Certified Pre-Loved financed vehicles. Certain eligibility requirements apply, see a dealer for details.
Car Care
Wanna get your regularly scheduled maintenance costs out of the way? You can purchase RealDriver Car Care at any time. Two levels of coverage are available, as well as service intervals for up to 60,000 miles from your odometer reading at the time of purchase.
Road Hazard Tire & Wheel Protection†
The roads are filled with hazards, and most of the time they affect your tires. That's why we offer comprehensive protection for repairing or possibly replacing your wheels and tires. This protection includesmounting, valve stems, balancing and sales tax — and, comes in standard and deluxe packages. Plus, you can choose a towing roadside assistance option as well.
Courtesy Care††
Our VW limited warranty covers most stuff on your new VW. But what about the smaller items? The belts and hoses, the windshield wiper blades and the glove box light? Well, thanks to the Courtesy Care Protection Plan, everything from your brake pads and battery, to your headlamps and electrical equipment are covered.
* Volkswagen RealDriver products are available at participating dealerships only. If your local Dealer does not sell these products, call (877) 800-0286 to locate your nearest participating dealership.

** GAP is available in most states. See your Dealer for details and availability.

† Not available in all states. See product agreement for complete details,limitations and exclusions.

†† Some coverage may vary by state. See product agreement for completedetails, limitations and exclusions.