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A yellow Mercedes A-Class facing the right

Car finance for Mercedes

Spread the cost of a used Mercedes across monthly payments with car finance.

Choosing car finance for Mercedes models lets you spread the cost of your car across monthly payments and a flexible deposit.  

There’s the option of PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance deals, usually lasting across a fixed term.  

How it works

Start the finance process once you’ve picked your perfect Mercedes car.

Get a quote

Get a HP or PCP finance quote and decide on your deposit amount, or consider a part exchange.

Apply online

Get a personalised finance offer for your Mercedes by offering details like your home address and affordability.

Get a decision

Once the finance lenders have reviewed your application, they’ll let you know if you’ve been accepted.

Your offer

Once you’re happy, accept your offer and start your car finance term.

How much does it cost to finance a Mercedes?

The cost of a Mercedes on finance depends on:

  • how much the used Mercedes costs

  • your deposit amount

  • the length of the term you choose

  • the interest rate you are offered

You can also part-exchange your current car to pay towards your next model.

Make sure you can commit to the term of the loan and that you can afford the monthly payments on top of your usual spending.

Failing to pay car finance or making late payments can damage your credit score.

part exchange financed car

What you’ll need to apply for finance for Mercedes cars:

In the application, you may be asked for:

  • your name

  • date of birth and nationality

  • your recent address history

  • your employment status

  • Bank details

  • your driving licence – full or provisional

  • your income and outgoings

Choosing HP or PCP for your Mercedes: what’s the difference?

HP (Hire Purchase) and PCP (Personal Contract Purchase) are types of car finance that help you pay for a Mercedes.

a dark blue mercedes-amg CLA 35 driving on a country road

With HP car finance for a Mercedes, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Own the Mercedes car at the end of the plan

If you want to end the agreement early, wear and tear charges may apply.

A white Mercedes EQC parked on a beach

With PCP car finance for a Mercedes, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Keep, hand back or part-exchange the car at the end, with an optional final payment if you choose to keep the car

If you want to hand back the Mercedes – this is subject to mileage and condition (excess mileage and damage charges may apply).

If you part exchange at the end – this may be subject to paying off your existing finance agreement and new credit agreements.

It’s important to give an accurate mileage if you apply for PCP. If you go over your allowance, you’ll have to pay an excess mileage charge.

Mercedes car finance FAQs

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