Volkswagen Passat Loan Calculator
Our Loan Calculator display shows you how your Volkswagen Passat 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 Passat 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.
- Share
Volkswagen Passat Projected Resale Value vs Loan Balance
| Year | Resale Value | Loan Balance | Difference |
|---|---|---|---|
| 0 | $24,898 | $19,918 | +$4,980 (20%) |
| 1 | $22,408 | $16,981 | +$5,427 (24%) |
| 2 | $21,353 | $13,903 | +$7,450 (35%) |
| 3 | $21,158 | $10,671 | +$10,487 (50%) |
| 4 | $20,927 | $7,284 | +$13,643 (65%) |
| 5 | $20,730 | $3,731 | +$16,999 (82%) |
| 6 | $18,330 | $0 | +$18,330 (100%) |
Volkswagen Passat Monthly Payment
| Loan Term | 72 Months |
| APR | 4.75% |
| Paid in Full | Sep, 2029 |
| Total Principal | $19,918 |
| Total Interest | $3,013 |
| Total Cost of Loan | $22,931 |
| Loan Term | 72 Months |
| APR | 4.75% |
| Paid in Full | Sep, 2029 |
| Total Principal | $19,918 |
| Total Interest | $3,013 |
| Total Cost of Loan | $22,931 |
Volkswagen Passat Loan Amortization
| Month | Interest | Principal | Balance |
|---|---|---|---|
| Oct, 2023 | $78.84 | $240.00 | $19,678.00 |
| Nov, 2023 | $77.89 | $241.00 | $19,437.00 |
| Dec, 2023 | $76.94 | $242.00 | $19,195.00 |
| Jan, 2024 | $75.98 | $242.00 | $18,953.00 |
| Feb, 2024 | $75.02 | $243.00 | $18,710.00 |
| Mar, 2024 | $74.06 | $244.00 | $18,466.00 |
This Volkswagen Passat is expected to lose $6,568 of its resale value during the 72 months of this loan. Check out our Volkswagen Passat Depreciation Calculator for a detailed analysis of the Passat's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Passat has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Passat model years to buy to get the best value.