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Apply for Mercedes-Benz Financing Online

Our pre-qualification is a quick and easy way to see where you stand before you step foot in our showroom. Take a few minutes and complete our secure online application from the comfort of your own home today.

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Auto Financing Has Never Been Easier

When you choose Mercedes-Benz of San Jose for your auto financing needs, you can expect:

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Easy Credit

Regardless of your credit situation, chances are we can find a lender and a program to fit your budget.

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Worry-Free Financing

We offer a wide range of finance and lease programs with a menu that makes financing with us clear and simple.

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Straightforward Pricing

You'll receive a great price on new and pre-owned vehicles. So you'll save time and get a great value.

Frequently Asked Questions

Is it better to lease or buy a car?

It depends on your personal needs. Leases and auto loans are simply two different methods of automotive financing. One finances the use of a vehicle; the other the total cost of a vehicle. Each has its pros and cons. 

  • Do you like driving a new car every few years, prefer lower monthly payments, or drive under 10,000 miles per year? Leasing might be best.
  • Do you like to keep your car for longer than three years, drive over 10,000 miles per year, or enjoy modifying your car? Consider buying.

Lease vs Buy

Can I trade in my car that's not paid off?

Yes. Keep in mind:

  • If you owe more than your car is worth, the negative equity will be added to the new loan.
  • If you don't, the remaining loan balance will be deducted from the value of your trade-in.

Either way, we'll take care of paying off the lien holder and getting the title for your vehicle. We'll even buy your car from you if you buy a vehicle from us. A free certified offer on your car, truck, or SUV is guaranteed for 7 days or 500 miles at any AutoNation-affiliate Mercedes-Benz dealer across the United States.

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How much should a car down payment be?

The rule of thumb is at least 10% down, although we suggest 20% to help lower your monthly payments. If you're trading in, the value of your trade-in will help cover your down payment. You can also lower your down payment with our low or no money down lease specials. Check out our current lease offers today.

We offer financing on all our new and pre-owned Mercedes-Benz vehicles, whether it's a C-Class, G-Class, or GLE 450. In fact, banks see lending through a dealership like us as less risky compared to lending to you directly. So you're both more likely to get approved and get better auto loan terms and interest rates

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Can I get a car loan with bad credit?

Yes. Thanks to our worry-free financing, chances are we can find a lender and financing plan that works for you. Apply for an auto loan or first-class lease with our fast and secure online application.

Apply For an Auto Loan

Mercedes-Benz Protection Plans

Your vehicle is a big investment, so it's important to keep it protected. Mercedes-Benz of San Jose offers an array of protection plans to help you with mechanical breakdowns, routine maintenance, and unexpected emergencies such as vehicle theft, flat tires, road hazards, spills, and dents. Drive with the peace of mind knowing that your car is protected.

Appearance & Maintenance

Theft & Investment

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Shopping Tools

Mercedes-Benz Payment Calculator

Use our calculator tool to estimate your monthly payment amount if you know the price of the vehicle you're looking to finance or how much you want to spend in total.

Estimate Your Payment

Mercedes-Benz Special Offers

Mercedes-Benz of San Jose offers a variety of lease specials and financing offers on popular Mercedes-Benz models. Getting behind the wheel of a Mercedes-Benz has never been easier.

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We'll Buy Your Car

Get a free certified offer and turn your car, truck, or SUV into cash today. Your offer is guaranteed for 7 days or 500 miles at any AutoNation location across the country.*

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Shop by Monthly Payment

Have a monthly payment amount in mind? Our affordability calculator allows you to shop for new and pre-owned vehicles within your monthly budget.**

Your Trusted Mercedes-Benz Finance Center in San Jose

View of inside of Mercedes-Benz of San Jose

Finance a Mercedes-Benz at Mercedes-Benz of San Jose

Financing a new, Certified Pre-Owned, or pre-owned Mercedes-Benz model like an E-class executive sedan or an S-class luxury coupe doesn't have to be hard. Mercedes-Benz of San Jose is your go-to local Mercedes-Benz finance center. Whether you're looking to lease or buy, we'll work with you to find a monthly payment plan that matches your credit and budget. Our dealership opens your path to a wonderful new Mercedes-Benz.

What you can expect when you choose Mercedes-Benz of San Jose for auto financing:

  • Easy credit: Chances are we can match your budget.
  • Worry-free financing: Find a wide range of finance and lease programs.
  • Straightforward pricing: For new and pre-owned vehicles.

Start by applying for Mercedes-Benz financing online. Take a minute to complete our pre-qualification from the comfort of your home now or check out our monthly payment calculator.

Or call us at our phone number, (408) 214-3009, to schedule an appointment with one of our financial services team to discuss any related issues to financing your new vehicle. Call to see if we're open today!

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Your privacy is important to us.

Mercedes-Benz of San Jose takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

*Subject to in-store verification, vehicle condition and mileage. Appraisal valid for 7 days or 500 miles, whichever comes first. See store for details. Some restrictions apply.

** These calculations are for reference purposes only. All figures are estimates only and are not guaranteed as accurate. Always consult a professional financial advisor.