Volkswagen Golf Loan Calculator

Our Loan Calculator display shows you how your Volkswagen Golf loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your Golf to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly. We've also created a video that explains these scenarios and demonstrates the loan calculator.

Volkswagen Golf Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form
Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

Volkswagen Golf Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $16,531 $16,531 $0 (0%)
1 $13,111 $14,092 -$981 (-7%)
2 $11,368 $11,534 -$166 (-1%)
3 $10,069 $8,852 +$1,217 (12%)
4 $8,899 $6,039 +$2,860 (32%)
5 $8,257 $3,093 +$5,164 (63%)
6 $6,903 $0 +$6,903 (100%)

Volkswagen Golf Monthly Payment

Loan Term 72 Months
APR 4.75%
Paid in Full Sep, 2027
$264.32
Total Principal $16,531
Total Interest $2,500
Total Cost of Loan $19,031
$264.32
Loan Term 72 Months
APR 4.75%
Paid in Full Sep, 2027
Total Principal $16,531
Total Interest $2,500
Total Cost of Loan $19,031

Volkswagen Golf Loan Amortization

Month Interest Principal Balance
Oct, 2021 $65.44 $199.00 $16,332.00
Nov, 2021 $64.65 $200.00 $16,132.00
Dec, 2021 $63.86 $200.00 $15,932.00
Jan, 2022 $63.06 $201.00 $15,731.00
Feb, 2022 $62.27 $202.00 $15,529.00
Mar, 2022 $61.47 $203.00 $15,326.00

This Volkswagen Golf is expected to lose $9,628 of its resale value during the 72 months of this loan. Check out our Volkswagen Golf Depreciation Calculator for a detailed analysis of the Golf's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Golf has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Golf model years to buy to get the best value.