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Compare Mazda financing options

What you need to know about financing this luxury vehicle. Compare loan options.

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Fact checked

Editor's choice: Carvana

Carvana logo
  • Most credit types welcome
  • 45-day preapproval
  • Seven-day guarantee
Get your rate

Get the funds you need to finance your new Mazda.

Thinking about buying a Mazda? Unless you can afford a $20,000 price tag, you’ll want to look into your financing options first. Find out where and how to get the best deal available to you.

How can I finance a new Mazda?

There are a variety of options available when it comes to getting a new car. These include:

    • Secured car loans. Uses your new Mazda as collateral to get more favorable rates and terms on your loan.
    • Unsecured loans. This loan doesn’t require collateral and cna be used to cover extra costs that come with buying a Mazda like registration fees. But you’ll need excellent credit to qualify.
    • Mazda financing. Mazda often offers lease and loan financing offers directly through dealerships. Borrowers typically also need excellent credit to qualify for the lowest rates.

Compare available financing options for a Mazda

Data indicated here is updated regularly
Name Product Filter Values Minimum credit score APR Loan term Requirements
Carvana
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
car.Loan.com Car Loans
300
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
300
Varies
Varies
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
500
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
LightStream Auto Loans
Good to excellent credit
Competitive
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
LendingTree
Good to excellent credit
Starting at 3.09%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
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Compare up to 4 providers

How much does a new Mazda cost?

Although a big part of buying a car is the dealership negotiations, it helps to know the base price of the model you’re looking at. The basic trim of the 2019 CX-3 starts at $20,390 while the 2019 Mazda 6 begins at $35,100 — but the actual cost will depend on negotiation, add-ons and your location.

Mazda 3

  • Starting MSRP: $21,000
  • Build: Sedan
  • City/highway MPG: 26/35

Mazda 6

  • Starting MSRP: $35,100
  • Build: Sedan
  • City/highway MPG: 26/35

MX-5

  • Starting MSRP: $25,730
  • Build: Sedan
  • City/highway MPG: 26/35

CX-3

  • Starting MSRP: $20,390
  • Build: SUV
  • City/highway MPG: 27/34

CX-5

  • Starting MSRP: $24,350
  • Build: SUV
  • City/highway MPG: 22/27

CX-9

  • Starting MSRP: $25,850
  • Build: SUV
  • City/highway MPG: 18/22

These prices reflect Mazda’s Sport category. You should expect to pay more for the Touring and Grand Touring categories. Keep in mind that the more features you want you car to have, the pricier it’ll end up.

Should I go for Mazda financing?

Financing through Mazad might seem tempting — you can get it directly through your dealer and don’t have to do any research ahead of time. But keep in mind that those low rates typically only go to borrowers with excellent credit.

It’s also worth noting that Mazda provides car loans through an outside lender and not all offers are available in all states. If you’re really interested in getting a good deal, you might want to shop around to see what’s available to you.

Compare your Mazda loan options

What should I know before I finance a Mazda?

Here are a few things to consider before deciding to finance a Mazda.

  • Fees. Find out about any fees that come along with your potential loan. Upfront fees you could see are application and origination fees, while ongoing fees are monthly payments or any annual fees.
  • Loan term. Loan terms can range anywhere from one to seven years. Figure out realistically how quickly you can afford to pay off your loan and find the loan term that can satisfy your needs.
  • Interest rates. Compare interest rates to find the lowest and best rate. Your interest rate impacts your payments and the overall cost of your loan.
  • APR. Check out the APR on any loans you might be interested in as this gives you more of an idea as to how much the loan will actually cost overall.
  • How much you need to borrow. Keep in mind that the loan amounts vary by lender. When applying for loans, aim for an amount the covers the cost of the vehicle, plus any fees or taxes.

3 tips when comparing financing options

  • Can you afford it? Make sure monthly loan payments are something you can afford before taking on a loan and getting caught up in the feeling of that new car.
  • Are payments flexible? Make sure the loan you get allows additional payments or early repayment of the loan without penalty — these convenient features can save you money.
  • Do your research. Consider all your available finance options and figure out if you’ve found the best loan option. If you’re not thrilled with the rate and terms, there’s definitely a loan out there that’s more suitable if you look around.

Costs to consider before applying for Mazda financing

It’s also important to think about the car’s running costs. Although you might be able to afford the loan payments for the car, you need to factor in costs such as:

  • Gas
  • Oil changes
  • Car maintenance
  • Registration and insurance

It’s important to factor in these expenses before applying for a car loan. You should also consider whether or not the minimum payments will leave you with enough money to cover other ongoing expenses in your life.

Compare car loans to buy a Mazda

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