First-time buyer Program Being a first-time buyer has its benefits. Is there any rule that says the first car you buy has to be a boring compromise? We didn't think so. At Volkswagen Credit, we've designed a loan specifically to put first-time buyers behind the wheel of a Volkswagen. To qualify, this has to be the first car you've ever financed. (Both new and Certified Pre-owned Volkswagen models count.) We just need to know that you've had a full-time job for the past year. A co-signer or credit history are usually not required, (although any established credit must be in good standing). Best of all, the minimum down payment is only 10%. See your dealer for additional details. Your very first car. And it's a Volkswagen. Suddenly, there are loads of friends you just have to go visit. May not need a co-signer Credit history may not be required* Establish your own credit College grad programs With Volkswagen Credit and a degree, you're going places. If you're graduating in the next 4 months or if you graduated less than 24 months ago, congratulations. We've got a program just for you. The College grad program is designed to get you behind the wheel of a Volkswagen - which is still possible even if you have no previous credit history (although any established credit must be in good standing). You need to have a full-time job or a written commitment from your future employer. That's basically it. The size of your down payment depends on whether you buy or lease. If you prefer to lease, we've also got a special College Grad Lease Offer, with no first month's payment or security deposit required. See your dealer for additional details. How's that for a graduation present? Lease or buy Flexible down payment Establish your own credit * Established credit must be in good standing. Volkswagen Credit