Certified Car Loan Rates at Select EuroCars – Affordable Financing in Waterloo, NY
Payment quotes are based on approved Tier One Bank credit with applicable taxes and registration fees due at signing. The following loan rates and terms (see table below) reflect standard offers; however, shorter loan terms may qualify for even lower rates. Longer terms may also be available at adjusted interest rates.
Bank financing is typically available even for customers with lower credit scores. In such cases, a down payment of up to one-third of the total sale price—or more—may be required. Still, as these loans are placed with reporting banks, making consistent, on-time payments can help improve your credit score over time and qualify you for better rates and terms on future financing.
Rates and terms are subject to change without notice. For added peace of mind, extended service contracts may be available for up to 5 years or an additional 100,000 miles (whichever comes first). Optional credit life and accident/health insurance may also be available for an extra cost, depending on your age and medical qualifications.
Current Car Loan Rates for Certified Pre-Owned Vehicles
Our certified car loan rates are based on Tier One Bank approval and vary by model year and term. Check out our current offers below:
| Rate | Year | Term |
| 8.09% | 2023 | 84 |
| 8.09% | 2022 | 84 |
| 8.19% | 2021 | 84 |
| 8.19% | 2020 | 84 |
| 8.49% | 2019 | 81 |
| 7.79% | 2018 | 79 |
| 8.75% | 2017 | 72 |
| 7.79% | 2016 | 66 |
| 9.49% | 2015 | 60 |
| 9.75% | 2014 | 60 |
| 9.75% | 2013 | 60 |
| 9.75% | 2012 | 60 |
| 8.99% | 2011 | 48 |
| 8.99% | 2010 | 48 |
| 8.99% | All Earlier Years | 48 |
Note: Rates and terms are subject to change. Contact us for the most current financing details.
Why Choose Select EuroCars for Your Certified Car Loan?
- Flexible Volkswagen financing rates & Audi certified car loans
- Support for all credit profiles — including bad credit
- Personalized loan terms to fit your budget
- Fast used car financing offers and approvals
- Local, trusted dealership serving Waterloo, NY for over 40 years
Ready to Apply?
Call us today at (315) 789-2200 to discuss your options with our finance team.
Or — apply now to get pre-approved and drive home your certified Audi or VW!
Frequently Asked Questions
Your credit score helps determine which interest rate you qualify for. Higher scores typically receive lower rates.
Q2: What down payment is required?Down payment amounts vary depending on your credit profile and vehicle price. Our team will help find what works best for you.
Q3: Can I refinance my loan later?Yes, refinancing options are available. Many customers refinance once their credit improves or rates drop.
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(315)-789-2200
Sales Hours
Sat: 8 AM - 5 PM
Sun: 12 AM - 5 PM
Service Hours
24 hour drop box and after hours pickup
