LOL, cmon man, that’s BS. Find another dealer…Tiguan S’s are a dime a dozen and sitting all over on dealer lots. Maybe just buy a reliable cheap used car until you repair credit.
Here is where it looks you are at now…you can play with variables of selling price and trade equity to make an offer…better yet find a FL VW broker in Marketplace.
Also, if you are gonna do anyway the terms at 36/12 are better with base MF at 208 and RV at 62.