Car Loan & VW Lease Plans in Riverhead

Riverhead Bay Volkswagen takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Riverhead Bay Volkswagen Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Riverhead Bay Volkswagen can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Riverhead Bay Volkswagen Aims to Serve with Exceptional Volkswagen Leasing and Loan Solutions in Riverhead

Shopping for a new vehicle isn't a standard and frequent endeavor for most residents of Smithtown and Coram. When the time comes to settle on a new model, you might be feeling a bit wary. However, when you choose to visit Riverhead Bay Volkswagen, we're sure you'll find that the shopping experience is entirely stress-free. We've streamlined the process and cut away the non-essential hassling that can accompany purchasing or leasing a new car, hatchback, or SUV.

As a prime destination for competitive Volkswagen model pricing in Riverhead, your satisfaction is our number one priority here at Riverhead Bay Volkswagen. To that end, we're sure you'll find that our numerous user-friendly digital retailing and financing tools are greatly useful toward picking a particular vehicle that suits your lifestyle needs. Learn more about the perks of buying and leasing below and familiarize yourself with our intuitive online financing tools before starting the paperwork process!

Buying vs Leasing: Which Payment Plan is Fit for Your Financial Standing, Credit History, and Lifestyle Needs?

Purchasing or leasing a new vehicle is one of the more considerable investments you'll likely make in your lifetime. In that regard, we aim to provide the best possible ownership or leasing experience for our faithful customers throughout the Sayville and Medford, NY area.


  • If you meet your month-to-month payments you'll end up with full ownership of the model and keep it as long as you please
  • There are no mileage limits when you choose to finance a new Volkswagen model
  • Termination of your purchase can end at any point as you aren't locked into an agreement with early termination fees
  • The future value of the vehicle is entirely up to you depending on your model choice and how you choose to treat the vehicle
  • Wear and tear won't lead to fees as it does with a leased model
  • You can also choose to customize the vehicle as you see fit -- be wary though that aftermarket parts can lead to the termination of warranty coverage


  • Trading in your Volkswagen sedan, hatchback, or SUV is entirely stress-free at the end of your lease term
  • Up-front costs and monthly payments are usually lower than when you choose to finance the model outright
  • Extra money saved on lower monthly payments can allow you to upgrade to a more luxurious or sport-tuned trim model that you might not have previously been able to afford
  • At the end of the lease term you can choose to finance the model and purchase it at a discounted rate

Use Our Intuitive Digital Retailing Tools to Calculate Potential Financing Options

If you're looking for a more accurate picture of what your financial payments might look like in the future with a handful of selected models, use our user-friendly financing calculator tool. If you'd like to learn more about our many generous vehicle protection plans for peace of mind, we have plenty of information to put you at ease. Or, you may also choose to value your trade-in model to get a better estimate of how much extra cash you can put toward your future new Volkswagen model.

Start the Financing Process Today in Just a Few Minutes with Our Credit Application Form

Remember that we here at Riverhead Bay Volkswagen are here to serve you. There are no strings attached until you sign the dotted line on the final paperwork. To that end, please feel encouraged to fill out a credit application today to get a jump start on the paperwork process. It's entirely secure and takes only a few moments to fill out. After submitting your information, you'll hear back from a member of our Volkswagen leasing and loan team shortly. We hope to hear from you soon.

  1. Riverhead Bay Volkswagen

    1521 Old Country Road
    Riverhead, NY 11901

    • Sales: 631-619-2461
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Get in Touch

  • Contact our Sales Department at: 631-619-2461
  • Monday9:00am-7:00pm
  • Tuesday9:00am-7:00pm
  • Wednesday9:00am-7:00pm
  • Thursday9:00am-7:00pm
  • Friday9:00am-6:00pm
  • Saturday9:00am-6:00pm
  • SundayClosed