Meet the Finance Manager

Ryan Sicchitano

Hi everyone. My name is Ryan Sicchitano and I am the Finance Manager at Three Rivers Volkswagen. I have been in the auto industry for 15 years and I have been at Three Rivers for 8 of those. Here at Three Rivers Volkswagen, we strive to make your car buying experience as hassle free and seamless as possible. Please feel free to contact me with any questions you have regarding financing, service contracts, road hazard tire and rim coverage or any of the other products that we offer to make your ownership experience a pleasant one.

A little about me. I live in Bethel Park with my wonderful wife Constance and our two beautiful girls, Nicolina and Illyana. We have a Siberian Husky named Loki, a cat named Olivia and two guinea pigs named Ruby and Sapphire. I’m an avid sports fan, following the Pirates, Steelers and the Penguins. And I have had a fascination with magic since I was about 5 years old. If you’re in the dealership with your kids or if you would like to see a trick yourself, please feel free to stop me and ask. I’d be happy to show you something

Finance FAQs

Q: Where do I send my first payment if I haven’t received a statement and it is getting close to the due date?

A: Once all of your paperwork has been processed at the dealership when you purchase your new vehicle, it must be sent to the State for processing along with whatever financial institution you are financing through. Once the paperwork is received by the financial institution, they must process it, build your account and then mail you your first monthly statement which takes some time to do. Because of this process, your first monthly statement may not reach you until right before your due date. Please do not panic. There are instructions showing you how to pay online, over the phone or with direct debit in the first statement. You can even mail a check once you receive your bill without fear of it being late. The financial institutions understand that the process of receiving the paperwork and building your account takes time. After your first statement, you will receive future statements in a timely fashion enabling you to choose whichever method you wish to make that payment. If you have any additional questions, please feel free to contact the dealership’s finance office.

Q: What do I do if I receive a letter from a bank or credit union stating that my loan request is denied?

A: Because different lenders have different qualifications for getting a loan, and because credit qualifications vary dramatically, it is possible that a lending source may deny your loan application. If a lending source denies a loan application, they are required by law to notify you personally. Please note, however, that this does not invalidate your vehicle purchase. If you receive a loan request denial and would like to contact the dealership to ensure that we have secured a loan for you, please call your dealership contact.

Q: When will my trade be paid off?

A: Once the loan on your new vehicle has been secured and the funds have been received by the dealership, the trade payoff amount is disbursed to the lien holder on your old vehicle. If a payment on your current loan is due, we recommend making that payment. This will ensure that no missed payments show up on your credit report. Any excess funds received by your bank will be refunded by your bank once the lien has been released.

Q: Why should I purchase a Service Contract?

A: A vehicle service contract can offer peace of mind and several other benefits to car owners. Knowing that many of your repair costs will be covered can ease any tension about owning a car. Similarly, unexpected repair costs are minimized because of coverage - making it more affordable to own and maintain a vehicle. Your vehicle is a big investment and the longer it stays in great working condition, the more value you get from your investment. Vehicle service contracts are designed to protect your investment by keeping your vehicle in good, drivable shape without you having to incur a lot of extra, unexpected repair costs that you might otherwise have difficulty paying.

Q: Why should I buy GAP?

A: GAP may pay the difference between the balance of a loan due on a vehicle and what your insurance company pays if the car is considered a covered total loss. These are some of the things that show if you’re a likely candidate for GAP. If you;

    Finance for 60 months or more. Put less than 20 percent down. Roll negative equity from a previous vehicle loan into a new vehicle loan. Drive more than the average 15,000 miles annually.

Q: Why should I buy Intire – Road Hazard Tire and Wheel Coverage?

A: Road Hazard Tire & Wheel Coverage provides for the repair or replacement of wheels damaged in conjunction with a covered tire repair or replacement of the tire mounted on that wheel. Wheel coverage is applicable if the wheel has sustained structural damage, and the tire cannot be balanced or does not hold air once the covered tire has been replaced. Southwestern PA is known for some of the craziest weather in the country, which wreaks havoc on our roads. With the cost of replacement alloy wheels for today’s cars, this is a smart investment.

Q: Why should I buy a Key Replacement Policy?

A: With all of the technology in today’s keys, which causes the cost of a replacement key to be so high, a key replacement policy Is an affordable way to keep from having to pay out of pocket for a new one. The key replacement policy is less than the cost of one key and will replace one per year for the life of the policy. This helps with unforeseen things like washing your keys with your laundry, losing them in a lake or river while boating, or just dropping them on the garage floor and watching it break into hundreds of pieces. Whatever the reason, make sure you don’t have an out of pocket expense of replacing a key.

Q:Why should I buy Xzilon?

A:

Questions?
Please speak with our trade advisor for more information.