I financed a certified used VW today with VW Credit. They pulled TU and my score was 664 (I've been rebuilding for the past couple of years). They offered me 4.74% good up to 60 months with zero down. I was quite impressed, given my score. I opted for 36 month terms, and will sell my old car privately and apply this towards the loan (the trade in appraisal was crappy, as was to be expected).