Car Loan & Lease in State College, PA
Whether you're shopping for an all-new Volkswagen or you're interested in our variety of pre-owned vehicles, our State College finance center is here to help. Our auto financing experts aim to make securing a car loan a hassle-free experience, and if you're not ready to purchase a car outright, we provide a quality Volkswagen leasing process. Our team can assist you online, over the phone, or in person, so don't hesitate to reach out with any questions you may have about securing the funds you need to get behind the wheel of your new ride.
Apply for Auto Financing in State College, PA
Securing auto financing doesn't have to be time-consuming and challenging. At our Volkswagen dealership in State College, our goal is to assist you at every step of the process so that you can concentrate on choosing the best vehicle model for you. Our finance team will handle the paperwork, so all you have to do is review the financing terms and sign on the bottom line. Thanks to our range of local and national lending partners, we're confident that we can offer you a competitive rate so you can drive away in your new Volkswagen in no time. To get the process started, you can complete our online financing application, which only takes a couple of minutes. The application asks for basic information about you, including your name, address, and income.
Once we have this information, we can get to work putting together your loan agreement. We can pre-approve your application, which will give you an idea of how large of a loan you can take out. Though the final terms of the loan will be confirmed later, pre-approval allows you to shop with assurance because you'll know how much money you'll have at your disposal for your purchase.
Explore Volkswagen Financing Tools & Expert Support Staff
Our finance department has tools to help you make an informed choice about your auto financing options. Our staff can also offer expert advice based on their years of experience in guiding used and new car buyers to their ideal loan or lease agreement.
Our trade-in valuation tool is a quick way to get an estimated offer from us to purchase your existing car. With some basic information about your vehicle, we can estimate its worth. If you like our offer, you can bring your sedan, crossover, or truck in for an inspection and finalize the sale. The funds can then be applied to a down payment for your loan or lease, which may significantly improve the terms you can get. This way of selling your used car is also more streamlined than trying to sell it yourself.
If you're unsure how much you can realistically borrow, our finance experts can help you customize your loan. Use our online payment calculator to help you estimate your monthly payments. You can keep monthly payments comparatively low if you choose a longer repayment period. Alternatively, some customers prefer a shorter repayment term so that the overall amount of interest they pay on their loan is less. Whatever your preference, our team will work with you to secure loan terms that suit your expectations. We can also add extras to your loan, like a warranty or service contract.
Lease A Volkswagen in State College
If you're not ready to commit to purchasing a car, leasing may be an attractive alternative. Leasing is essentially a long-term rental agreement, typically lasting between two and six years.
When you lease a Volkswagen, your monthly payment allows you to use the vehicle as your own. You'll need to stick to a routine maintenance schedule and avoid going over the annual mileage limit unless you don't mind paying a mileage surcharge. Lease agreements can require a down payment like a loan, but the payment and monthly installments are often lower, as you're not covering the cost of the entire vehicle.
Should You Buy or Lease a Volkswagen?
The decision of whether it makes more sense to buy or lease a Volkswagen depends on your personal circumstances. Both options work well for our customers, provided they make an informed choice.
One of the main advantages of buying a Volkswagen outright is that the vehicle belongs to you. You're free to drive it how you like, accessorize it, and sell it at a time of your choosing. The downside is that you pay more to purchase a car than to lease it.
The factor of cost is what often persuades some people to opt for a lease. The monthly payments are generally lower, and many people may not notice the mileage restriction if they have relatively average driving habits. When the lease ends, the process of returning the vehicle is straightforward and removes the effort associated with selling it.
Drivers who prefer buying their car point out that while leasing may be cheaper in the short term, you end up with nothing for your investment. After a two- or three-year lease, you don't own the vehicle. You can lease another one when the agreement expires, but you won't be in the position of a car owner who's paid off their loan and is free from making monthly payments. However, when you lease a Volkswagen, you'll always drive a car that's under warranty, whereas car owners deal with the additional costs associated with an aging vehicle.
There are arguments in favor of both options, and the best decision is based on how well leasing or purchasing fits your unique needs. Our finance team will be happy to help you decide which route is best for you.
Want to learn more?
If you're ready to start securing your auto loan, fill out our online application to get preapproved. Should our financing experts have any questions or need additional information for your application, we'll contact you. Once everything is in place, you can drop by to sign the agreement and get behind the wheel of the Volkswagen you've been dreaming about. Feel free to contact our finance department with any questions about auto financing, leasing, or our tools.
Make an Appointment with Our Finance Team
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Schedule a Test Drive with Our Volkswagen Dealer in State College, PA
Are you ready to get behind the wheel of your new Volkswagen? Visit our State College dealership to explore your favorite Volkswagen features in person. If you have any additional finance or vehicle questions, feel free to contact us, and we will be happy to get back to you as soon as possible!
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Ciocca Volkswagen of State College
3220 West College Avenue, Building 2
State College, PA 16801
- Sales: 814-206-0902
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