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Are you looking to get Volkswagen finance? We could help you get the VW you need, even if you have bad credit.
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Are you looking to get Volkswagen finance? We could help you get the VW you need, even if you have bad credit.
Get a quote
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Volkswagen, often referred to as VW came from the idea for a ‘people’s car’. The first vehicle produced is what is known today as the VW Beetle, which later became one of the most highly produced cars in history.
Today VW is one of the largest UK imports for vehicles and is known for its range and variety of different models. Their most popular car models include the Volkswagen Polo, Golf, and Tiguan.
How does Volkswagen finance work?
Car finance is when you borrow from the finance company who purchase the car for you. You then make monthly repayments until the agreed finance amount is repaid. Our agreements last between 36 to 60 months, and once you’ve made the final repayment you will be the legal owner of the car.
We offer a Conditional Sale agreement. This is where you automatically own the car at the end of the agreement. This means you have the freedom to trade it in, sell it, or modify it once you have made your final repayment.
Try out our car finance calculator which will show you what your agreement may look like. Play around with the amount and time period to see what looks right for you.
Volkswagen finance with bad credit
We understand that just because you have bad credit, it doesn’t change your need to have a reliable car. You might need it to get around, travel, or get to work.
We specialise in helping those who have a bad credit score. If you are looking to buy a VW with bad credit, we could help. Even if you’ve been refused by other lenders.
We could help you, even if:
- You have a County Court Judgment (CCJ)
- You are in an Individual Voluntary Agreement (IVA)
- You are looking for car finance on benefits
Volkswagen, often referred to as VW came from the idea for a ‘people’s car’. The first vehicle produced is what is known today as the VW Beetle, which later became one of the most highly produced cars in history.
Today VW is one of the largest UK imports for vehicles and is known for its range and variety of different models. Their most popular car models include the Volkswagen Polo, Golf, and Tiguan.
How does Volkswagen finance work?
Car finance is when you borrow from the finance company who purchase the car for you. You then make monthly repayments until the agreed finance amount is repaid. Our agreements last between 36 to 60 months, and once you’ve made the final repayment you will be the legal owner of the car.
We offer a Conditional Sale agreement. This is where you automatically own the car at the end of the agreement. This means you have the freedom to trade it in, sell it, or modify it once you have made your final repayment.
Try out our car finance calculator which will show you what your agreement may look like. Play around with the amount and time period to see what looks right for you.
Volkswagen finance with bad credit
We understand that just because you have bad credit, it doesn’t change your need to have a reliable car. You might need it to get around, travel, or get to work.
We specialise in helping those who have a bad credit score. If you are looking to buy a VW with bad credit, we could help. Even if you’ve been refused by other lenders.
We could help you, even if:
- You have a County Court Judgment (CCJ)
- You are in an Individual Voluntary Agreement (IVA)
- You are looking for car finance on benefits
We can provide finance for Volkswagen cars that meet our lending criteria.
To the right are some examples of cars that fit within our lending criteria and are from dealerships we trust.
To apply for Volkswagen finance, you’ll need:
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
If you’re not sure which VW you’d like, don’t worry! Apply today and we can guide you through the process.
We use a soft credit check at the point of application, which doesn’t affect your credit score. We only use a hard check when contracts are drawn up for you to sign.
It should only take 5 minutes to fill out an online application, and you will get a decision as to whether we can help you.
Get a quote
We can provide finance for Volkswagen cars that meet our lending criteria.
Below are some examples of cars that fit within our lending criteria and are from dealerships we trust.
To apply for Volkswagen finance, you’ll need:
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
If you’re not sure which VW you’d like, don’t worry! Apply today and we can guide you through the process.
We use a soft credit check at the point of application, which doesn’t affect your credit score. We only use a hard check when contracts are drawn up for you to sign.
It should only take 5 minutes to fill out an online application, and you will get a decision as to whether we can help you.
Get a quote
VW finance calculator
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VW finance calculator
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No deposit Volkswagen finance
You might be wondering if it’s possible to get VW finance with no deposit. You might be able to, but it depends on several personal factors. These include credit score and affordability.
Everyone’s eligibility for car finance is different. No lender can guarantee that you will be able to get finance without a deposit. Some of our agreements require you to put a deposit down. For more information, please see our guide to no deposit car finance.
No deposit Volkswagen finance
You might be wondering if it’s possible to get VW finance with no deposit. You might be able to, but it depends on several personal factors. These include credit score and affordability.
Everyone’s eligibility for car finance is different. No lender can guarantee that you will be able to get finance without a deposit. Some of our agreements require you to put a deposit down. For more information, please see our guide to no deposit car finance.
Popular models of Volkswagen
Popular models of Volkswagen
Volkswagen Polo:the Polo has been around for decades, being a popular choice for those looking for a small, all-rounder car.
Volkswagen Golf:dubbed the Polo’s bigger sibling, the Golf is a small compact car known for its reliability, comfort, and safety.
Volkswagen Tiguan:a compact crossover SUV, designed to offer a comfortable driving experience whether driving down a country lane or cruising on the motorway.
Volkswagen Polo:the Polo has been around for decades, being a popular choice for those looking for a small, all-rounder car.
Volkswagen Golf:dubbed the Polo’s bigger sibling, the Golf is a small compact car known for its reliability, comfort, and safety.
Volkswagen Tiguan:a compact crossover SUV, designed to offer a comfortable driving experience whether driving down a country lane or cruising on the motorway.
FAQs about VW car finance
What credit score do I need for VW finance?
There is no set credit score you need to get VW finance.
There are three different credit reference agencies in the UK. They each use their own credit score ranges. Also, credit score isn’t the only factor that lenders use to check your eligibility. Other factors include affordability and credit history.
Even if you have a low credit score, we could help get you into the Volkswagen you need. When you’re ready, you can get a quote today.
I was declined for VW finance, what should I do?
If you’ve been declined by another lender, you should take a moment to work out why that might have been. We’ve written a guide that explains the most common reasons why you might have been refused car finance.
Is VW finance easy to get?
No responsible lender can tell you whether car finance is easy or guaranteed. Everyone’s eligibility is different, and it depends on lots of factors like credit score and affordability.
Is there a credit check for VW finance?
We use a soft credit check at the point of application. This doesn’t affect your credit score, but will tell you whether or not we could offer you finance. If you’d then like to enter into an agreement with us, we’d use a hard credit check which will affect your credit score. For more information, see our guide tothe differences between soft and hard credit checks.
FAQs about VW car finance
What credit score do I need for VW finance?
There is no set credit score you need to get VW finance.
There are three different credit reference agencies in the UK. They each use their own credit score ranges. Also, credit score isn’t the only factor that lenders use to check your eligibility. Other factors include affordability and credit history.
Even if you have a low credit score, we could help get you into the Volkswagen you need. When you’re ready, you can get a quote today.
I was declined for VW finance, what should I do?
If you’ve been declined by another lender, you should take a moment to work out why that might have been. We’ve written a guide that explains the most common reasons why you might have been refused car finance.
Is VW finance easy to get?
No responsible lender can tell you whether car finance is easy or guaranteed. Everyone’s eligibility is different, and it depends on lots of factors like credit score and affordability.
Is there a credit check for VW finance?
We use a soft credit check at the point of application. This doesn’t affect your credit score, but will tell you whether or not we could offer you finance. If you’d then like to enter into an agreement with us, we’d use a hard credit check which will affect your credit score. For more information, see our guide tothe differences between soft and hard credit checks.
Other cars we can finance
Don’t think a VW is right for you? Don’t worry, some alternative brands could be Audi, Vauxhall or Citroen.
Other cars we can finance
Don’t think a VW is right for you? Don’t worry, some alternative brands could be Audi, Vauxhall or Citroen.
Bad credit? No problem.
If you have a bad credit history, you’re in good hands. As bad credit car finance specialists, we understand that you still need a reliable car to get around.
Bad credit car finance
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