When it comes to purchasing a car,
You're in the driver's seat.

Our secure online credit application makes getting financing a quick & efficient process.

We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

A Little Knowledge Can Make A Big Difference.

Financing
Factors

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

    Your Credit
    Score

    Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

    Factors Effecting Your Credit Score

    Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.


    To learn your credit score you can contact the three main credit reporting agencies:

    Experian Logo

    Experian:

    www.experian.com
    (888) 397-3742

    Equifax Logo

    Equifax:

    www.equifax.com
    (800) 685-1111

    TransUnion Logo

    TransUnion:

    www.transunion.com
    (800) 916-8800

    You Make The Choice. We Make It Easy.

    Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

    It's easy. It's quick. It's safe. Get started today.

    Mercedes-Benz Finance FAQs

    Find answers to common Mercedes-Benz financing and leasing questions at Mercedes-Benz of Melbourne, including online financing, credit considerations, monthly payments, trade-ins, Mercedes-Benz Financial Services, protection options, and Sprinter financing.

    Can I apply for Mercedes-Benz financing online before visiting Mercedes-Benz of Melbourne?+
    Yes. You can complete Mercedes-Benz of Melbourne’s secure online finance application before visiting the dealership. This lets you begin the financing process from home and provide the information our finance team needs to review the options available for your purchase or lease.
    Can I apply for Mercedes-Benz financing if I’m establishing or rebuilding my credit?+
    Yes. Mercedes-Benz of Melbourne works with customers across a range of credit situations, including those without an established credit history. You can apply with us while establishing or rebuilding your credit, but approval, rates, down payment requirements, and other terms depend on your individual application.
    What affects my monthly payment when financing a Mercedes-Benz?+
    Vehicle price, down payment, estimated APR, and finance term can all affect your estimated monthly payment. You can use Mercedes-Benz of Melbourne’s payment calculator to adjust these factors before applying. The calculator provides an estimate, while your actual payment will depend on the vehicle and approved financing terms.
    Should I lease or finance my next Mercedes-Benz?+
    The better choice depends on how long you want to keep your Mercedes-Benz and how you plan to use it. Mercedes-Benz Financial Services offers customizable mileage and term options for leases, which typically have an equal or lower monthly payment than purchasing the same type of vehicle. Financing leads toward ownership and does not include lease mileage restrictions. Our finance team can help you compare the options for the vehicle you are considering. If you currently lease a Mercedes-Benz, our lease return page explains the options available when your lease ends.
    Can I apply my trade-in value toward a Mercedes-Benz purchase or lease?+
    Yes. Mercedes-Benz of Melbourne offers an Instant Cash Offer tool to help estimate the value of your current vehicle. You can use the trade-in value toward a vehicle purchase, and if you are considering a lease, our finance team can explain how any available equity would be handled in that transaction.
    Can I finance a pre-owned Mercedes-Benz through Mercedes-Benz Financial Services?+
    Yes, depending on the vehicle. Mercedes-Benz Financial Services finances most pre-owned Mercedes-Benz models up to five model years old. You can use our online finance application to begin exploring financing for the pre-owned Mercedes-Benz you are considering.
    Can I add vehicle protection or prepaid maintenance when I finance or lease a Mercedes-Benz?+
    Mercedes-Benz of Melbourne offers vehicle service contracts, tire and wheel coverage, GAP, prepaid maintenance, and other protection products. Mercedes-Benz Premier Prepaid Maintenance can also be built into your monthly vehicle payment when purchased with the vehicle. Our finance team can explain which products and payment options are available for your transaction.
    Does Mercedes-Benz of Melbourne offer financing for Mercedes-Benz Sprinter vans?+
    Yes. Mercedes-Benz of Melbourne offers dedicated Sprinter financing for commercial and small-business customers, including commercial retail financing, commercial leasing options such as TRAC and Zero TRAC, and vehicle lines of credit. Our team can help you review the structures available for your business and vehicle needs.