Finance

Volkswagen Financial Center in Merced, CA

Learn More About Financing and Leasing at Merced Volkswagen

Our dealership offers an extensive selection of vehicles to meet your car requirements at every phase of your life. So, we've got you covered whether you are looking for a brand-new model to drive around the Central Valley or a reliable pre-owned SUV to fit your family over the next several years. The only question is whether you will buy or lease your next car. Our finance center can finalize your payment plan and arrange your individualized finance agreement.

Would You Benefit From a Car Loan?

If you plan to transition from a shopper to an owner, consider taking out a car loan. Car loans allow you to purchase the vehicle of your dreams, even if you don't have all the cash upfront. Once you make your selection, our finance team will help you borrow the money so long as you agree to pay it back in installments over time. We work with various lenders around Selma to offer several options based on your unique financial position.

The following factors will determine your monthly payment: the vehicle cost, your credit, any applicable specials, and your down payment total. In some cases, you might be able to skip the down payment step altogether. You will, however, be responsible for various fees and taxes that apply, including registration costs and car insurance.

One of the best things about purchasing a car with a loan is that you are the owner once you have paid your lender off. Unlike leasing, you can upgrade your vehicle without restrictions and drive it as much as you want around Tulare and beyond. You can add genuine OEM accessories and parts to personalize your vehicle to your lifestyle, making it truly one of a kind.

Should You Explore Leasing Instead?

Not all drivers do well with long-term commitments, and that's okay. If you are a shopper who likes to switch things up from time to time, a car lease might be perfect for you. Unlike car loans, you don't have to think too far into the future. Most leases are up in 36 months, allowing you to change out your vehicle for something newer once the thrill wears off and your lease is over.

Keep in mind that leasing is essentially renting. So, you aren't the actual owner of the car and won't be even after your term is up. Since you will have to return the vehicle in the same shape you got it, you won't be able to make any major upgrades or changes. You will get passes on minor wear and tear, but you will be responsible for repairing any major vehicle damage. However, overall, your maintenance costs with a lease will be much less. Also, leases come with mile restrictions, so you won't be able to take far trips outside of Merced often.

One benefit to leasing your favorite vehicle from our lot is the many cost savings that come with it. Since you aren't looking to gain ownership, you won't be putting as much money down, and your monthly payments are typically lower as well. You can also bypass many of the taxes and fees that come with car loans. It is your responsibility to cover your insurance, though. But as an added perk, many of your routine maintenance services, like oil changes, will be offered to you at no additional cost depending on your specific lease.

Schedule a Finance Appointment Online

We are committed to making the finance process seamless for our customers, so our talented team of finance professionals is on standby, waiting to answer any questions or concerns you may have about your new investment. Contact us online or over the phone to schedule a finance appointment. Visit us today to see how we can make your vehicle dreams come true. We look forward to seeing you at Merced Volkswagen soon.

As a full-service dealership, we specialize in automotive maintenance as well. Our technicians undergo rigorous training and have years of experience to back up their skills. Thus, you will feel at ease when you leave your vehicle in the care of our team because every project-be it a quick oil change or a comprehensive inspection-will be completed accurately and on time. We even give coupons for common services. That way, you continue to accrue savings by doing business with us!

So, what are you waiting for? Our reputation is a testament to the exceptional service that awaits! Simply stop by Merced Volkswagen today and our team will make you feel right at home.