Volkswagen Payments: What You Need to Know

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Volkswagen Financial Services allows customers to sign-up for automatic monthly payments through their account or to make one-time payments online, by phone, or by mail. Customers can also submit one-time or recurring payments through their bank’s bill pay system, if applicable.
Volkswagen tries to offer as many options to make a payment on your
car loan
or lease as possible. We’re covering all of them in this guide to Volkswagen payment options!
And if you’re still on the fence about whether financing a Volkswagen is right for you, we’ve got the average monthly payments you need to consider for the German automaker's top-selling models.

How to pay your Volkswagen car bill

You have a few options when it comes to making a payment on your Volkswagen. It’s up to you whether you set up automatic recurring payments or do one-time payments.
Here are your options!


You can make a one-time payment or set up recurring monthly payments through your digital Volkswagen Credit
My Account
. You can also contact Volkswagen Financial Services to request an autopay enrollment form.
Volkswagen does not accept credit or debit cards for monthly payments, but they do for one-time payments.

By phone

You can also give Volkswagen Financial Services a call at (800) 428-4034 to make a one-time payment over the phone. Just follow the automated system’s instructions to complete the payment or speak with a representative—whichever you prefer!

By mail

You can complete your payment by mailing a check to the payment address listed on your monthly billing statement. Make sure to include your Volkswagen Credit account number.
If you mail your payment by 11:59 PM CST on Monday through Saturday, your payment will be applied on the same business day. If your payment is postmarked on a Sunday or bank holiday, the payment will be applied two business days later.

Through your bank

Volkswagen allows you to make a one-time or recurring monthly payment through a bill pay system if your bank offers one. You’ll just need to input your Volkswagen Credit account number and the payment address on your monthly billing statement.
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Can I make my Volkswagen payments with a credit card?

You can make one-time payments with a credit card, but Volkswagen does not accept credit or debit cards for recurring monthly payments set up through your Volkswagen Credit My Account.

Is there a grace period for Volkswagen car payments?

Volkswagen Credit allows a grace period of seven to 15 days for late payments. Check the details of your lease agreement for an exact time period, and always contact your lender or dealership if you think you might
miss a car payment

How much are Volkswagen payments?

Volkswagen is known for producing a diverse line-up spanning entry-level and entry-luxury models with starting MSRPs ranging from $20,365 for the VW Jetta to $51,505 for a top-tier VW Atlas. You may be able to expect lower-than-average payments for a new finance or lease from Volkswagen, but it will depend on how much you modify your vehicle.
The table below covers starting MSRP ranges and
average loan payments
for Volkswagen’s best-selling models from 2022. The calculations are based on base-level MSRPs with a 10% down payment, a loan term of 72 months, and an APR of 4.90%—a standard interest rate for buyers with good credit between 661 and 780.
MSRP range
Average monthly payment
$41,230 – $45,730 
$33,635 – $51,505
$26,490 – $37,320
$23,495 – $33,645
$20,365 – $32,095
$40,750 – $49,550
$44,090 – $44,890
$29,880 – $39,130
$468Your monthly Volkswagen payment could be much different depending on the final price of your vehicle, the downpayment you make at the time of signing, the
trade-in value
of a previous car (if applicable), your
credit score
, loan term, and any special incentives from your dealership.
You may get a higher monthly payment for a 60-month loan compared to a
72-month loan
, but you’ll pay less interest overall. You can also expect a higher
for a used car loan compared to a new car loan.
“As a young person who owns a sports car and a high-end sedan, I couldn’t find quotes below a certain threshold. By using
, I managed to find full comprehensive coverage on both vehicles and saved $150 a month!” —Channing Y.
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Volkswagen Financial Services typically approves financing for car buyers with a credit score of 650 and higher.
Interest rates vary from customer to customer and may also depend on current Volkswagen offers as well as your location. For example, Volkswagen offered a 3.9% APR for 36-month loan terms in January 2023.
There are a few cars that lead Volkswagen’s line-up depending on what you’re looking for. The Volkswagen Jetta is more than affordable—it’s also highly regarded by drivers and critics alike. The VW Atlas and Atlas Cross Sport are the best
Volkswagen midsize SUVs
in the current line-up.
Reviewed by Hillary Kobayashi.
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