A family of three unloads bags from the trunk of their dusk blue metallic Volkswagen ID.4, parked on their large stone driveway.

Here to explore financing?

Here to explore financing?

If you're interested in a new or Certified Pre-Owned VW, you've come to the right place. Continue scrolling to learn about your finance options.

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Should you lease, finance, or pay cash?

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Finance

Lease

Cash

Description

Purchase your vehicle and make payments for it over a selected term. At the end of that term, the vehicle is yours.

Drive a new VW for a set amount of time and number of miles. You can choose to purchase or return the vehicle at the end.

Purchase your vehicle up-front by paying in full with cash.

Pros

  • Competitive rates and flexible terms available from Volkswagen Credit
  • At the end of your contract, you’ll own the car outright
  • No mileage restrictions
  • You have the ability to customize your vehicle as much as you want
  • You can sell the car on your own terms
  • You may have a lower monthly payment than a finance contract
  • With a shorter contract term, you get the chance to hop in a new VW more often
  • Flexible lease terms and a range of mileage options available
  • If you decide to lease or purchase a new VW at the end of your contract, we will waive the disposition fee
  • No selling is involved
  • The limited manufacturer’s warranty will cover the vehicle for the duration of most leases⁠
  • Own your vehicle immediately
  • Have no monthly payments

Cons

  • You may have a higher monthly payment than a lease
  • You’ll be responsible for post-warranty service and repair costs
  • Any damage done to the vehicle will reduce the value of the vehicle when sold or traded in even if the vehicle is repaired
  • If your vehicle is totaled and you still owe more than it's worth, your car insurance company will only pay you the vehicle's actual cash value, which is potentially much less than what you still owe
  • You may need to pay for wear and use charges at the end of your term
  • You have a mileage maximum and will be charged for extra miles driven
  • If you decide to end your lease early, you will be responsible for early termination fees
  • Insurance premiums are generally higher
  • You’ll be responsible for post-warranty service and repair costs
  • Any damage done to the vehicle will reduce the value of the vehicle when sold or traded in even if the vehicle is repaired

Description

Purchase your vehicle and make payments for it over a selected term. At the end of that term, the vehicle is yours.

Pros

  • Competitive rates and flexible terms available from Volkswagen Credit
  • At the end of your contract, you’ll own the car outright
  • No mileage restrictions
  • You have the ability to customize your vehicle as much as you want
  • You can sell the car on your own terms

Cons

  • You may have a higher monthly payment than a lease
  • You’ll be responsible for post-warranty service and repair costs
  • Any damage done to the vehicle will reduce the value of the vehicle when sold or traded in even if the vehicle is repaired
  • If your vehicle is totaled and you still owe more than it's worth, your car insurance company will only pay you the vehicle's actual cash value, which is potentially much less than what you still owe

Finance a pre-owned VW.

The sun sets on an Atlas and Atlas Cross Sport, parked and posed with backdrop of picturesque earthy green hills.

Did you know? Financing isn’t only for new cars.

Our Volkswagen Certified Pre-Owned program promises each vehicle is tested through our 100+ Point Dealer Inspection and comes with a Model-Specific Limited Warranty.⁠

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Special programs.

Leasing your first EV? Recent graduate?  Buying a car for the first time? Need the right car while working temporarily in the U.S.? Visit your nearest Volkswagen Dealership to see if you qualify.

Find the closest dealership
Woman plugs charger into a Volkswagen ID.4 EV SUV in front of stone contemporary home, smiling at partner.
Home sweet home charging.

Take it EV Lease by Volkswagen Credit

Thinking about going electric? Here's your electric vehicle starter pack. This 3-in-1 financing package⁠ by Volkswagen Credit gives you the opportunity to lease a Volkswagen ID.4 through Volkswagen Credit,⁠ finance a Level 2 HomeStation™ Charger from Electrify America,⁠ and finance up to $1000 toward charger installation by Qmerit—a company offering a nationwide selection of certified installers.⁠

View program details

What happens at the end of your lease?

Are you still trying to decide if leasing or financing is right for you? Or are you ready to lease for the first time? For a better understanding of your options at the end of your lease and the associated steps, get the details in our Lease-End Guide.

View the Lease-End GuideOpens an external link
A sharply lit angle of a platinum gray metallic Volkswagen Atlas Cross Sport showcases its passenger’s side R-Line wheel.
Ready to apply?