Buying Mercedes-Benz

Car Finance Options

Buying Mercedes-Benz


Car Finance Options
Car Finance Options

If you’ve ever imagined driving a Mercedes-Benz, our tailored finance package will help you achieve that dream. Whether you are leasing or financing, our comprehensive product range means you can find the ideal financial solution for your needs.

How to drive away in your new Mercedes-Benz today

Mercedes-Benz Car & Loan Finance Explained
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How to drive away in your new Mercedes-Benz today

  • Pick your dream Mercedes-Benz
  • Talk to the Business Manager of your preferred Mercedes-Benz dealership who will help you find the financial solution that best fits your needs
  • The Business Manager will assist and guide you through our easy credit application process
  • Following approval, we will advise you on the relevant documentation needed to complete the application
  • Pay the respective deposit
  • Pick up your new vehicle and enjoy driving over your chosen contract term by making your tailored fixed repayments
  • Once your contract expires, simply pay the final payment, called the Balloon, and talk to our Business Manager about your options to swap into a new Mercedes-Benz

Personal Loans


Personal Loans

Consumer Credit Agreements

Personal Loans


Personal Loans

Consumer Credit Agreements

Mercedes-Benz Finance Personal Customer

Financing your new or used Mercedes-Benz is easy with one of our loans, which offers flexible terms, fast turnaround on applications and payments that suit you. Decide the amount you would like to put down as a deposit on your chosen car and agree the term of your agreement. Then throughout the term of your agreement you pay the regular instalments over the agreed term until the remainder of its value is repaid. These payments are fixed which means you can easily budget. Depending on your situation you can decide to include a final 'balloon payment' , which is a lump sum, at the end of the term. 

Ultimately, you will  own your Mercedes-Benz at the end of the term. You can, also, enjoy the freedom of your loan only being secured by your vehicle and not by your home.

  • Benefits

    • Competitive fixed rates

    • Payments tailored to suit individual needs

    • Easy and fast credit applications

    • Peace of mind when you include Mercedes-Benz Insurance

    • Ability to build up equity in your car

    • Manage your account 24/7 with myFinance

  • Contract term

    • Minimum: 6 months

    • Maximum: 60 months

  • Car ownership

    Title of the vehicle transfers to the customer once all payments are made in full.

  • Insurance requirements

    Customers are required to maintain a comprehensive insurance policy over the vehicle. Most of our customers choose Mercedes-Benz Insurance to complete their Mercedes-Benz Experience.

  • End of term

    Once final payment is made, full ownership transfers to the customer. If the contract has a balloon payment, there are various options available to the customer:

    • Pay the full amount of the balloon payment to Mercedes-Benz Financial

    • Refinance the amount of the balloon payment for a further term

    • Trade or sell the vehicle and settle the amount owing

Business Credit Agreements


Business Loans

Business Credit Agreements


Business Loans

Business Loans

At Mercedes-Benz we understand the complexities of running a modern-day business, but did you know you can get much more than just company cars from us, we offer a variety of finance agreements that suit both you and your business.

If you are considering buying a new car for your business and require a business loan, you have a choice of two options: to lease or buy the new car. When making a decision to lease or buy a business vehicle you must consider your business financial situation and review your priorities.

It is vital to understand all of the different tax and ownership structure implications before making financial decisions. Depending on your situation consider engaging experts, such as a licensed taxation accountant or financial planner, to advise you where appropriate. 

Business Credit Agreement

If your business likes to own its assets

Business Credit Agreement

Business Credit Agreement

If your business likes to own its assets

Business Credit Agreements give you the flexibility to structure your payments to suit your business' budgeting and cash flow requirement (subject to credit acceptance). At the end of the contract your business takes complete ownership of your Mercedes-Benz.  

Business Credit Agreements give you the flexibility to structure your payments to suit your business' budgeting and cash flow requirement (subject to credit acceptance). At the end of the contract your business takes complete ownership of your Mercedes-Benz.  

  • Benefits

    • Part of a complete financial solution, including insurance

    • Build up equity in vehicle

    • Payments tailored to suit individual needs

    • Potential tax benefits for business customers

    • Simple user-friendly documentation

    • Competitive fixed rates

  • Agreement Term

    • Minimum: 6 months

    • Maximum: 60 months

  • Vehicle Ownership

    Title of the vehicle transfers to the customer once all payments are made and Mercedes-Benz Financial no longer has an interest in the vehicle.

  • Insurance Requirements

    Customers are required to maintain a comprehensive insurance policy over the vehicle.

  • End of Term

    Once final payment is made, full ownership transfers to the customer. If the contract has a balloon payment, there are various options available to the customer:

    • Pay the full amount of the balloon payment to Mercedes-Benz Financial

    • Refinance the amount of the balloon payment for a further term

    • Trade or sell the vehicle and settle the amount owing

Finance Lease

Finance Lease

A flexible leasing option for your business

A Lease Agreement gives your business immediate use of the vehicle with minimal outlay. It enables you to potentially benefit from certain tax advantages due to the different ownership transfer in comparision to "purchase contracts". Though, we recommend you seek independent financial and/or taxation advise as to what tax implications apply to you. Rentals are fixed for the term of the lease, with a final payment based on the residual value. This value is set at the commencement of the contract and is the customer's responsibility. 

  • Benefits

    • Part of a complete financial solution, including insurance

    • Potential tax benefits for business customers

    • No or minimal outlay required, thus freeing up cash for other purposes

    • Incorporating a residual payment means payments are kept down, making it more affordable

    • Simple user-friendly documentation

    • Competitive fixed rates

    • Unlimited kilometres and no refurbishment costs

  • Agreement Term

    • Minimum: 6 months

    • Maximum: 60 months

  • Insurance Requirements

    Customers are required to maintain a comprehensive insurance policy over the vehicle.

  • End of Term

    If the contract has a residual payment, the following three options are available to you:

    • Pay the full amount of the residual payment to Mercedes-Benz Financial

    • Refinance the amount of the residual value for a further term

    • Trade or sell the vehicle and settle the amount owing

Standard Mercedes-Benz Financial Services New Zealand Limited credit assessment and lending criteria, documentation and PPSR fees apply. See your preferred Mercedes-Benz dealer for full terms and conditions.

FSF


Financial Services Federation

FSF


Financial Services Federation

Financial Services Federation

We are a member of the Financial Services Federation

The Financial Services Federation is New Zealand's largest member based industry organisation for financial institutions. Members of the Federation provide financing, investment, banking and insurance services to over 750,000 New Zealanders.

Customer Online Services


Customer Online Services

Customer Online Services


Customer Online Services

Manage your account anytime, anywhere.

MyFinance lets you keep track of your Mercedes-Benz financing account anytime, anywhere. You can access MyFinance via your desktop or you now have the flexibility to check your account in the palm of your hand by downloading our free myMBFS app, which is available on both Android and IOS.

With myFinance, you can:

  • View your Contract details

  • Access your Statement of account

  • View your Repayment plan

  • Update contact details

  • Upload forms

  • Contact us

Next Steps


Further information

Next Steps


Further information

    Pre-Owned Vehicles

    View available Certified Pre-Owned Vehicles

    Payment Estimator

    Estimate a financing solution that fits your needs.

    Contact Form

    Send us a message via the Contact Form link above. Alternatively call our dedicated Customer Care team for assistance on 0800 462 369 Monday to Friday between 8:30am to 5:00pm.