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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 Stevens Creek 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. Leases and loans are simply two different methods of automotive financing. One finances the use of a vehicle; the other finances the total cost of a vehicle. Each has its own benefits and drawbacks. It's not possible to simply say that one is always better than the other because it depends on your own particular situation and preferences. You must not only look at the financial comparisons but also at your own personal priorities and what's important to you.

Do you like driving a new car every two or three years, prefer lower monthly payments, or drive under 10,000 miles per year? Leasing might be the best option.

Do you like to keep your car for longer than three years, drive more than 10,000 miles per year, or enjoy modifying or customizing your car? You should probably consider purchasing your next vehicle.


Lease vs Buy

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

In a word: yes. Trading in a financed vehicle is very common. There are a few things to still be aware of though.

If you are underwater with your current loan (you owe more than your car is worth), the negative equity will be added to the new loan.

If you are not underwater, the remaining loan balance will simply be deducted from the value of your trade-in.

In both cases, we will take care of paying off the lien holder and getting the title for your vehicle. This is one less thing you have to worry about when you trade in your car with us, versus selling it privately. In fact, we will even buy your car from you regardless if you buy a vehicle from us!


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How much should a car down payment be?

It is recommended to put at least 10% down on the purchase of a new or pre-owned vehicle, but as little as $500 can be sufficient in many cases. There is no harm in putting down as much as possible though, and we would suggest aiming for putting down around 20% to help lower your monthly payments.

You don't necessarily need to have this cash on hand though. If you are trading in a vehicle, the value of your trade-in will help cover most of, if not all, of your down payment.

If you are interested in having the lowest possible down payment, taking advantage of our low or no money down lease specials may be your best option. Check out our current lease offers today or contact us for more information.


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Can I finance a used car?

Absolutely! We offer financing on all of our vehicles, both new and pre-owned. In fact, banks typically see lending through a dealership like us as less risky compared to lending to a private party. So when you finance a pre-owned vehicle through us, not only are you are more likely to get approved, you will probably get better loan terms too.

Get pre-approved for pre-owned vehicle financing today with our online finance application, then be sure to check out our complete selection of pre-owned cars, trucks, and SUVs for sale near you!

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Can I get a car loan with bad credit?

Yes! Thanks to our worry-free financing, we are able to offer new and pre-owned vehicle financing to almost everyone, regardless of your current credit situation! Chances are we can find a lender and a financing plan that works for you.

In fact, you can even apply for a car loan from the comfort of your own home today with our fast and secure online finance application. If you have any questions, feel free to give us a call to speak with one of our knowledgeable finance team members. We are dedicated to getting you behind the wheel of a new or pre-owned vehicle regardless of your credit score.


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Mercedes-Benz Protection Plans

Your vehicle is a big investment, so it's important to keep it protected. Mercedes-Benz of Stevens Creek 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.

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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.


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Mercedes-Benz Special Offers

Mercedes-Benz of Stevens Creek 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

Mercedes-Benz of Stevens Creek

Finance a Mercedes-Benz in Stevens Creek

You can choose from a variety of Mercedes-Benz auto finance options for a new vehicle or Certified Pre-Owned model with the help of the finance center at Mercedes-Benz of Stevens Creek. Our financial services experts are available to help with your questions about monthly payments, leasing options, or any part of the financing process.

How To Finance a Mercedes-Benz 

Mercedes-Benz financing is available through the Mercedes-Benz of Stevens Creek dealership finance center. With our no-hassle financing and finance pledge, we offer easy credit, worry-free financing, and straightforward pricing. We also offer protection plans for your new Mercedes-Benz.

  • Lease vs. buy: Leases and car loans are different. Leasing finances the use of a vehicle and loans finance the total cost of the vehicle. If you enjoy driving a new car every few years, lower monthly payments, and drive under 10,000 miles per year, leasing may be a good choice. If you want to drive more miles and keep your vehicle as an investment, an auto loan might be better for your personal needs. Our Certified Pre-Owned Mercedes-Benz inventory offers first-class leasing options.
  • Who does Mercedes-Benz finance through? Mercedes-Benz Financial Services (MBFS) allow us to offer you competitive interest rates and straightforward pricing.
  • Credit score: No matter what your credit score is, our Worry-Free Financing offers solutions that allow you to purchase a new or Certified Pre-Owned Mercedes-Benz vehicle.
  • Qualified interest rates: Your interest rate will be determined by several factors, including your credit score and income. You can also shop by monthly payment. Complete the pre-qualification form online to see your offers.  
  • Monthly payment: Depending on your credit, income, and any trade-in vehicle value, our payment estimating tool can show you monthly car payments to expect. Your car payment depends on several factors such as income, down payment amount, and your credit score. 

Mercedes-Benz Specials and Lease Deals Near Me

Mercedes-Benz of Stevens Creek offers competitive interest rates, manufacturer incentives,  and low- or no-money-down specials on the Mercedes-Benz models. We also offer affordable lease specials for popular Mercedes-Benz C-Class, S-Class, GLE, GLC, E-Class, SUV, and Certified Pre-Owned models. 

You can use our convenient online pre-qualification financing tool before coming to our Stevens Creek showroom on San Jose's west side. 

We'll Buy Your Car

Want to trade in your current vehicle? You can sell your car to Mercedes-Benz of Stevens Creek. We'll take care of paying off your current lease and getting the title for your vehicle. 

Visit Mercedes-Benz of Stevens Creek in San Jose, CA

Finance your new Mercedes-Benz or used car at Mercedes-Benz of Stevens Creek. Our dealership opens Monday through Saturday at 9 a.m. and closes at 9 p.m. We're open on Sunday from 10 a.m. to 8 p.m.

We're located at 4500 Stevens Creek Boulevard in San Jose and proudly serve Santa Clara, Mountain View, and San Jose, California. Our team is ready to help you find the right auto loan for your new or Certified Pre-Owned vehicle.


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Your privacy is important to us.

Mercedes-Benz of Stevens Creek 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.