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Financing at Mercedes-Benz Mobility: How your vehicle financing works

Mercedes-Benz Mobility helps you make your dream of owning a vehicle come true — by offering you loans with competitive conditions where you can co-determine the amount of the deposit and the duration of the contract.

Mercedes-Benz Mobility helps customers around the world make their dream of owning a vehicle come true — by offering loans at favourable interest rates. When you finance a vehicle, you tie up a lot less capital than when you purchase a car outright, as you don’t need to pay the full amount for the vehicle all at once. This allows you to maintain your financial flexibility while owning a vehicle with the star — and to attain full ownership when you pay the final instalment.

You can also plan financially early on, because your monthly instalments and your annual interest rate always remain the same. You can also choose the amount of the deposit and the duration of the contract. Along with new vehicles, Mercedes-Benz Mobility can also finance your new used car. This means you can drive a used Mercedes that offers the quality of a new vehicle and pay off your loan in the same way you would finance a new car — with fixed monthly instalments. Mercedes-Benz Mobility offers private and commercial customers flexible financing options for new or used cars and vans from Mercedes-Benz AG.

Close interlinking with Mercedes-Benz vehicle production

Mercedes-Benz Mobility works closely with Mercedes-Benz vehicle production units and a partner network of special-body manufacturers. It can therefore offer business customers complete financing packages for special-purpose vehicles that have already been modified. These include vehicles for public authority applications and rental vehicles.

Various financing options are available for new and used vehicles depending on the region you live in and the vehicle segment you choose. The traditional options are standard financing, balloon-payment financing and three-way financing.

Standard financing

Standard financing allows you to choose how large a deposit you wish to put down, and thus how high your monthly instalments will be throughout the entire duration of your financing contract. A fixed interest rate and monthly instalments that never change make your auto financing transparent and plannable. Another advantage offered by a standard financing package is that there are no mileage limits. You can drive your Mercedes as much as you wish.

Balloon-payment financing

If you choose balloon-payment financing, you benefit from relatively low monthly instalments. That’s because the higher final instalment, or balloon payment, enables a monthly instalment that is lower than the instalment in a standard financing package. You can also decide how large a deposit you wish to put down, and thus adjust the amount of your monthly instalments in your preferred direction. Depending on your liquidity situation and your specific plans, at the end of your contract you can either make a one-time final payment or take out follow-up financing to pay the final instalment.

Three-way financing

You can choose three-way financing if you’re not sure whether you will want to keep your Mercedes-Benz vehicle when your contract comes to an end. With this form of financing, you can decide at the end of the contract whether you want to pay the final instalment and assume complete ownership of the vehicle, take out follow-up financing to pay the final instalment, or return the vehicle to your dealership at the contractually guaranteed residual value.

Seasonal financing

With seasonal financing, when you take out the contract you can set the amount of the instalments for your vehicle in line with the course of your business and thus gain financial leeway. In months when seasonal effects mean that business is good, you pay somewhat higher instalments, for quieter months you can arrange lower payments.

The benefits of vehicle financing

Liquidity

Automobiles are the second-biggest investment made by private households after property. Most people don’t have enough cash on hand to purchase a new or used vehicle outright. When you finance a vehicle, you can immediately assume ownership of your dream car, but you pay for it in instalments over a relatively long period of time. This allows you to hold on to your cash as a reserve for other investments or emergencies.

Transparency

Total loan amount, deposit, financing period, effective annual interest rate — vehicle financing offers four ways to decide the amount of your monthly payments. You can work with your automotive bank to determine which financing option and conditions are right for you. A fixed interest rate and fixed monthly instalments make financing costs transparent.

Additional services

Mercedes-Benz Mobility offers mobility packages to go along with your financing contract. For example, you can select additional services such as motor insurance, service packages such as maintenance and repairs, and warranty packages. The additional service protects your vehicle’s value retention and is added to your monthly financing payments to arrive at an all-inclusive monthly instalment, so the services you choose will also boost your planning security.

Flexibility

When you finance a vehicle, you remain flexible and can react quickly if your circumstances happen to change. If you choose three-way financing, for example, you decide at the end of the contract period whether you want to pay the final instalment and assume complete ownership of the vehicle, take out follow-up financing or return the vehicle to your dealership the way you would a leased vehicle. Standard financing also offers advantages, such as not having to commit yourself to a mileage limit at the beginning of your contract, You can drive your Mercedes as much as you wish.

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