Compare Mazda financing options in November 2018 | finder.com
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Compare Mazda financing options

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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.

car.Loan.com Car Loans

Our top pick: car.Loan.com Car Loans

Get matched with a local car dealership to finance your car purchase. Bad credit, no credit OK.

  • Specializing in 'buy here, pay here' car loans. No banks or credit unions.
  • Typically hear back from a rep within 24 hours.
  • Free loan-matching service. No obligation offers.

    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

    Rates last updated November 13th, 2018

    Reveal your potential loan offers and rates

    Answer two quick questions to filter the loan offers and get the best one for you.

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Term of Loan Requirements
    car.Loan.com Car Loans
    Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
    300
    Varies by lender
    Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
    Auto Credit Express Car Loans
    Get connected with an auto lender near you, even if you have bad credit.
    300
    Typically 3 to 6 years
    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.
    LightStream Auto Loans
    Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
    Good to excellent credit
    Flexible terms
    Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
    RateGenius Auto Loan Refinance
    Connect with a network of over 150 lenders to refinance your car loan.
    510
    Varies
    Income of $2,000+/month, vehicle has less than 150,000 miles, no older than 10 model years, loan balance is at least $10,000, debt-to-income ratio: less than 50%.
    LendingClub Auto Refinancing
    Lower your monthly car payments and save on interest through a fast and easy online application process.
    Fair or better credit
    Minimum of 2 years
    Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
    MotoRefi Car Loan Refinancing
    A car loan connection service for borrowers looking to refinance.
    525
    1–6 years
    Must have an income of at least $2,000/month and have a vehicle with less than 100,000 miles.
    LendingTree Auto Loans
    Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
    Good to excellent credit
    Typically 1 to 7 years
    Must be a US citizen and 18+ years old. Must have good to excellent credit.

    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 to get. We’ve collected the MSRP of popular Mazda models to help you walk into the dealership ready to haggle.

    ModelBase priceDescription
    Mazda 3
    • Hatchback: $19,345
    • Sedan: $18,095
    With both hatchback and sedan styles available, the Mazda3 is a good choice for people looking for sleek design. The base price is a bit higher than other similar cars,
    Mazda CX-3$20,110Mazda made safety a priority with the CX-5. Blind spot monitors and traffic alerts come standard, even at the base price
    Mazda CX-5$24,150Mazda made safety a priority with the CX-5. Blind spot monitors and traffic alerts come standard, even at the base price
    Mazda 6$21,945Base model comes equipped with a touchscreen stereo and a review camera, features you’d only find on the more advanced models of other brands.
    Mazda MX-5 Miata$25,295Possibly one of the most affordable sports cars available, Miata is a low-cost convertible.

    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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