Your Questions About Vehicle Financing Answered Here:

How does financing a vehicle work?

We can arrange financing on a new or used vehicle for you. Rate and term are determined by credit history, time at job and income, along with other factors.

How is my finance rate determined?

Your finance rate is determined by the bank using your credit score and several other factors.

Can I secure my own financing and bring it to the dealer?

Yes, you can secure your own financing to purchase a vehicle or we can help. You can Shop By Payment here or get pre-approved right here.

What is equity in my trade?

Equity is the difference between what the value of your vehicle is and the balance that you owe. If your vehicle is worth more than what you owe, The difference is your positive equity. We have a trade-in tool online that can help you get an idea of how much your trade-in might be worth.

How does equity affect my financing?

Positive equity is used as down payment on your loan and will reduce the amount that you finance. Negative equity will increase the amount you finance.

Should I wait a few months to trade in my vehicle in order to reduce the negative equity by making a few more, or extra, payments?

This depends on the market conditions of your vehicle. The value will go down the longer you wait to trade.

How do manufacturer rebates factor into my loan?

Rebates are passed on to the customer and are used as down payment to reduce the amount of the loan.

Are there any pre-payment penalties in my loan?

There are no pre-payment penalties associated with your loan.

Can I make extra payments?

Yes. You can make extra payments and this will shorten your loan time and also reduce any interest that you pay.

I think that I may not have the best credit; can I still finance a vehicle?

Yes you can! Credit is just one factor that lenders look at. People with all types of credit scores can finance a vehicle. Please contact us to learn more about how we can help challenged credit situations.

Value My TradeShop By PaymentBad or No Credit?

Have a question we didn't answer? Please do not hesitate to contact us, we are happy to help!
Our #1 goal is finding the vehicle that is right for you.

Financing Questions Answered Here!


Larry H. Miller Volkswagen Tucson

900 West AutoMall Drive
Directions Tucson, AZ 85705

  • Sales: 855-346-9519
  • Service: 855-346-9522
  • Parts: 855-346-9523


  • Monday 9:00 AM - 8:00 PM
  • Tuesday 9:00 AM - 8:00 PM
  • Wednesday 9:00 AM - 8:00 PM
  • Thursday 9:00 AM - 8:00 PM
  • Friday 9:00 AM - 8:00 PM
  • Saturday 9:00 AM - 8:00 PM
  • Sunday Closed