Smart Financing auto loans review March 2021 |
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Smart Financing auto loans review

Last updated:  

Your fastest option to finance one of these unique coupes before they're off the market.

  • Best for people looking to pick up a Smart car before they stop being sold in the US.
  • Pick something else if you want more details on your financing options before you apply online.


Product NameSmart Financing
Financing typesPurchase,Leasing
Eligible car typesNew,Certified Preowned

Pros and cons


  • Quick way to finance one of the last Smart car models sold in the US
  • Three financing options: traditional loan, balloon loan and lease


  • Smart stopped selling new models in the US or Canada after 2019
  • Limited financing and repayment information on website
  • No discount programs available

Smart Financing special discounts

  • Military: No
  • College grad: No
  • Repeat customers: No
  • First responders: No
  • Accessibility equipment: No

Smart Financing reviews and complaints

As of October 2020, Smart Financing doesn’t have a Better Business Bureau or Trustpilot profile. And it’s just as difficult to find customer reviews outside of those sites.

How to apply

Smart Financing processes its applications through its parent company, Mercedes-Benz. To get started, follow these steps:

  1. Visit the Smart Financing website and click Apply for credit.
  2. Read the terms and select if you’re applying as an individual or a business.
  3. Enter information about yourself, including your Social Security number, date of birth and monthly income.
  4. Select the year, model and type of financing you want, then enter your down payment.
  5. Select your authorized Smart dealership and review your application.

Your selected dealership will contact you within 24 hours with more information and next steps.

How do repayments work?

Smart Financing doesn’t list any information about its repayment options on its website. Contact an authorized dealership for more details on how repayments work and any potential fees.

Compare more car loan options

Data updated regularly
Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
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
No minimum credit score
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
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
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.

Compare up to 4 providers

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site