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Nemer VW Finance Department

At Nemer, we know that people, just like the vehicles we sell, are different. For this reason, we offer a variety of financing options to fit your needs. Our finance department has extensive experience and the knowledge it takes to get you the right vehicle with the right financing program. Whether you have perfect credit, poor credit or somewhere in between, our finance department will communicate with our banks to get you the financing you deserve.

Below are just a few of the great programs that we offer, for more information, contact the Nemer VW Finance Department today!
Great Rates on Great Vehicles for Great Individuals... it's what the people want.  

 

If you're graduating in the next 6 months, or graduated less than 24 months ago, check this out - our College Grad Program can get you behind the wheel of a VW even if you have no previous credit history.*

All you need is a full-time job or a commitment letter from your future employer. Wow. The size of your down payment depends on whether you buy or lease. If you do lease, there's no first month's payment or security deposit required. It's our little way of saying congratulations.

Key Benefits include: No Credit History Required*, No Security Deposit, No First Month's Payment**

* If you've already established credit, it must be in good standing.
** Volkswagen will pay up to $800 towards first month's payment.


Compliments of VW Credit, we've designed a loan specifically to put first-time buyers behind the wheel of a VW more easily. To qualify, the new VW of your desire has to be the first car you've ever financed. (Certified Pre-Loved Volkswagen models count, too.) You have to have had a full-time job for the past year. A co-signer or credit history are usually not required.

Key Benefits include: May Not Need a Co-signer, Credit History May Not Be Required, Establish Your Credit



VW Credit may extend credit to foreign students who are enrolled in colleges in the United States. Eligible Vehicles include any New VW and any Certified Pre-Owned VW.

Eligible Programs include Retail Financing or Leasing. Customer must be enrolled in a 2 or 4 year accredited U.S. college or university pursuing one of the following degrees: Associate's, Bachelor's, Master's, Doctoral, Nursing degree (RN or LPN)



Business professionals from foreign countries who are working in the United States may be eligible for financing through VW Credit. Eligible Vehicles include any New VW, Certified Pre-owned VW. Eligible Programs include Retail Financing and Leasing.


We subscribe fully to the Military Assistance Corporation (MAC). This program is designed to simplify the payment process for military personnel financing the purchase of a new vehicle with Volkswagen Credit. All full-time Federal Civil Service employees are eligible for allotment payments through MAC.

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Contact Information

Contact Information

Nemer Volkswagen

550 Troy Schenectady Rd

Latham, NY 12110
sales Sales:
(888) 711-5329
phone2 Service:
(518) 785-5581
phone3 Parts & Service:
(518) 785-5581

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.

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