How to finance a Mercedes-Benz |

How to finance a Mercedes-Benz

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Overseas service members and recent college grads may qualify for a special discount.

Mercedes-Benz is known for its sleek and stylish cars with the iconic logo on the hood, and this premium brand comes with a premium price tag. But there are quite a few financing options available. And you may even be eligible for a special discount if you’re an overseas service member or recent college grad. Car Loans Car Loans

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    How can I finance a Mercedes-Benz?

    If you’re looking to get behind the wheel of this luxury brand, the most obvious financing choice is to take out a secured car loan. While it takes time to compare lenders, this is likely the most cost-effective option and typically comes with the lowest rates. However, if you default on your payments, your lender can repossess your car to recoup the loss. Another option is an unsecured personal loan. This doesn’t require you to use your car as collateral, but it generally has higher interest rates and is more difficult to get approved for.

    Prefer to go with the fastest option? Then you might want to consider financing or leasing directly through an authorized Mercedes-Benz dealership. Here are your two choices:

    • Financing through Mercedes-Benz Financial Services. Getting financed at the dealership is one of the fastest and easiest options, though it can come with higher interest rates. The rates you’re offered will depend on what car you’re looking to buy and where you live. In the past, Mercedes-Benz offered special financing deals like 2.99% APR on C-Class sedans with terms ranging from two to six years.*
    • Leasing through Mercedes-Benz Financial Services. If you want to upgrade your car every few years, you can save money by choosing a lease. While deals vary based on where you live, past offers include leasing the 2019 C 300 sedan for $429 per month for three years with $4,223 due at signing.*

    The local dealership you visit may also offer its own special promotions as well. As with all loans, the actual rates you qualify for will depend on your credit history and personal financial situation.

    *Rates as of January 22, 2019.

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    Rates last updated February 19th, 2019

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    Name Product Product Description Min. Credit Score Term of Loan Requirements Car Loans
    Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
    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.
    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
    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.
    RateGenius Auto Loan Refinance
    Connect with a network of over 150 lenders to refinance your car loan.
    Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
    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

    Does Mercedes-Benz offer special discounts or programs?

    Mercedes-Benz partners with Military AutoSource (MAS) to offer exclusive discounts and financing to US military personnel currently stationed overseas. MAS works with USAA, Navy Federal and every other on-base credit union to offer financing to purchase a new Mercedes-Benz. To take advantage of the program, visit your nearest on-base dealership.

    Mercedes-Benz also offers a Rising Stars program for recent college graduates and current students. Deals vary by location, so contact your nearest dealership to find out what savings you’re eligible for. In the past, dealerships have offered no-down-payment financing options, discounted leases and competitive rates usually only offered to buyers with excellent credit.

    How much will a new Mercedes-Benz cost me?

    A new Mercedes-Benz will generally cost between $32,000 and $170,000, though you may be able to get a better price if you negotiate at the dealership. Here are the starting manufacturer suggested retail prices (MSRPs) for Mercedes-Benz’s 2019 models:

    2019 modelCity/highway MPGStarting MSRP
    A-Class sedanTBD$32,500
    CLA coupe24/37$33,100
    GLA SUV24/33$33,950
    GLC SUV22/27$40,700
    C-Class sedan23/34$41,400
    C-Class coupe22/31$43,800
    GLC coupe21/27$47,300
    SLC roadster23/32$48,950
    C-Class cabriolet21/29$51,850
    E-Class sedan21/30$53,500
    GLE SUV17/23$55,700
    E-Class coupe21/28$59,800
    E-Class wagon19/26$64,200
    E-Class cabriolet20/27$67,300
    CLS coupe18/26$69,200
    GLS SUV16/22$70,150
    GLE coupe17/23$71,350
    SL roadster20/28$89,150
    S-Class sedan19/28$91,250
    Mercedes-AMG GT coupe16/22$112,700
    G-Class SUV13/17$124,500
    Mercedes-AMG GT16/22$124,700
    S-Class coupe17/27$125,950
    S-Class cabriolet17/26$134,300

    Car insurance costs that come withe driving a Mercedes-Benz

    Does a new Mercedes-Benz come with a warranty?

    Yes, new 2019 Mercedes-Benzes come with a basic limited warranty that lasts for four years or 50,000 miles — whichever comes first. And the tires on your new vehicle are covered for either one year or 12,000 miles — whichever comes first. You may also receive a hybrid battery limited warranty and emission warranty depending on the model you purchase and where you live.

    Bottom line

    Mercedes-Benz is famous for being all about luxury — and its prices match. Fortunately, you have several different financing options to choose from, no matter if cost or speed are your main priorities. And overseas service members and recent college grads may even be able to score a special discount.

    Read our guide to car loans to learn more about they work and compare your options.

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    Dawn Daniels

    Dawn Daniels is an editor currently based out of Oregon. Aside from her work at, she’s also worked on over 40 published books, including Hot Mess to Mindful Mom by Ali Katz and Financial Fitness: 21 Easy Exercises to Get Your Personal Finances in Shape Fast! By Dr. Vi Scott. In her spare time, Dawn enjoys hiking ridiculous distances and collapsing in exhaustion.

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