How long can you finance a Mercedes-Benz?

Asked by: Dr. Kellie Collier  |  Last update: January 2, 2026
Score: 4.9/5 (17 votes)

You can customize your financing arrangement according to your preferences with financing terms lasting from 24 to 72 months (available in most states).

Is it hard to get financed by Mercedes-Benz?

Does Mercedes-Benz Finance Bad Credit? Yes. It's actually easy to get approved through Mercedes-Benz finance programs. Most car manufacturers are eager to help their customers build or rebuild their credit by offering financing programs and deals exclusively through Mercedes-Benz dealerships.

Can you finance a car for 96 months?

While you can finance a car for up to 96 months, how long you finance a car really depends on your unique needs, wants and cash flow. Some shoppers opt for a shorter loan term that comes with higher monthly payments and reduces the total cost of the loan.

Can you get 0% interest on a Mercedes?

Available to qualified customers at Mercedes-Benz Van retailers through 1/31/2025. Finance at 0% for 60 months, $16.67 per $1,000 financed. Eligible to borrowers with tier 1 credit provided by MB Financial services. Not everyone will qualify.

What salary do you need to afford a Mercedes?

Mercedes-Benz E-Class

“With monthly payments estimated at around $1,400, a prospective owner would need an annual income of about $168,000, ensuring the car payment is a manageable portion of their income.”

How Much Car Can You Really Afford? (By Salary)

15 related questions found

What car can you afford making $50,000 a year?

To get an idea of how much car you can afford, a good rule of thumb is to pay no more than 35% of your annual pre-tax income. So, if you make $50,000 before taxes per year, your car purchase price should not exceed $17,500.

How much is a Mercedes-Benz oil change?

Mercedes-Benz oil change costs can range anywhere from $180 to $450. However, keep in mind that the Mercedes-Benz oil change costs can vary depending on your specific vehicle so we suggest you give us a call at Call service Phone Number(877) 557-5299 for more specific information.

What is the Mercedes finance rate?

Special 3.49% APR financing for 72 months applies to Mercedes-Benz Model Years 2022 and 2023 Certified Pre-Owned (“CPO”) EQB and EQS, Model Year 2023 EQE. Special 4.24% APR financing for 36 months applies to Mercedes-Benz Model Years 2021, 2022 and 2023 Certified Pre-Owned (“CPO”) C-Class, E-Class and GLC.

Why do dealerships offer 0% financing?

An automaker makes money with a 0% deal in one simple way: It doesn't make money on financing but rather on the car itself. Dealers will try to sell you extras to make up the difference, including extended warranties for your vehicle. Also, the cost of financing gets built into the price of the car.

What credit score do you need to buy a Mercedes-Benz?

What is the credit score needed to finance a vehicle? Here are the Mercedes-Benz credit score tiers: 781 – 850: Superprime. 661 – 780: Prime.

Is 75 months too long for a car loan?

Auto loans usually range from 36 to 60 months, but if you want the longest car loan, you may be able to get 72-month or 84-month terms. A repayment period that long (up to seven years) means lower payments, making a long-term car loan easier on your budget.

What is a negative of having a 36 month car loan?

Lenders consider long-term loans riskier and consequently charge higher interest rates for them. You'll also spend more time paying down interest at the start of the loan before reducing the principal, adding to your loan's overall cost.

How long is the Capital One auto loan?

You can choose loan terms of 36, 48, 60, or 72 months to see how your monthly payment changes if your other variables stay the same. But keep in mind that while longer loan terms may have lower monthly payments, they also typically come with a higher interest rate.

What is a good down payment for a Mercedes-Benz?

As a general rule of thumb, experts suggest you aim for at least a 20% down payment for a new vehicle purchase and at least 10% on a pre-owned vehicle. Keep in mind, you can also apply your trade-in's value to your down payment.

Is it smart to get a Mercedes-Benz?

Mercedes vehicles have demonstrated unwavering reliability over time. The company has consistently met customer expectations in terms of vehicle performance. Be it the horsepower of the engine, fuel efficiency, or the overall mechanical performance, you can place your trust in your investment.

Who buys Mercedes the most?

China is Mercedes-Benz Cars' largest market in terms of unit sales, surpassing Europe, which was the brand's leading regional market in 2020. In 2023, China accounted for over a third of all new car sales, when some 737,200 Mercedes-Benz cars were sold.

What credit score do you need to get 0% interest on a car?

0% APR auto loans are reserved for "well-qualified" buyers.

In most cases, "well-qualified" refers to borrowers with a credit score of 740 or higher. If a borrower isn't in this credit bracket and applies for the 0% APR offer, they could be taking a hit on their credit score that could have been avoided.

Why do dealerships want a down payment?

Lenders often want you to make a down payment to show your commitment to paying back the loan and to get some compensation for the car upfront.

Who has the best car loan rates?

  • LightStream - New car purchase loan. 4.5. NerdWallet rating. Est. APR. 7.74-15.69% Loan amount. $5,000-$100,000. ...
  • Consumers Credit Union - New car purchase loan. 5.0. NerdWallet rating. Est. APR. 5.74-17.54% Loan amount. ...
  • Alliant Credit Union – New car purchase loan. 4.0. NerdWallet rating. Est. APR. 5.24-23.25% Loan amount.

How much should you make a year to afford a Mercedes?

comfortably afford this brand new Mercedes Benz GLC 300, you need an annual gross income around $132,000.

Is it easy to get Mercedes finance?

The ease of getting a Mercedes Benz finance deal depends on several factors. It's generally easier for people with good credit, stable income, and a manageable debt-to-income ratio.

Does Mercedes have 0% APR?

0 percent APR for 24 months at $41.67 per month per $1,000 financed or 0 percent APR for 36 months at $27.78 per month per $1,000 financed applies to Mercedes-Benz Model Year 2017, 2018 and 2019 Certified Pre-Owned ("CPO") GLA vehicles. Qualified customers only. Not everyone will qualify.

How much does a Mercedes tire cost?

You can expect tires for a Mercedes-Benz vehicle to range anywhere from $150-300+ per tire.

Are Mercedes reliable?

Some studies show Mercedes-Benz is a good car for owners who want to hold on to them for a long time. J.D. Power studied how often models from different brands visited the service center within the first three years of ownership. Mercedes-Benz reliability was strong with 195 repairs for every 100 vehicles sold.

Is maintenance for Mercedes expensive?

As of 2022, Mercedes-Benz maintenance costs, on average, were around $908 according to a study done by Your Mechanic. If you're looking for power, Mercedes-Benz has you covered but keep in mind that you'll need to be prepared for the cost.