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Dealer Financing vs. Bank Auto Financing

Do you have a car in your sights and ready to start the financing process? You’ll find two options when it comes to funding your new vehicle purchase- bank auto financing or dealer finance options. Mercedes-Benz Financial Services offer competitive financing and benefits that you won’t find with bank auto financing. Learn more about your dealer finance options and benefits, and how they compare to bank auto financing below. 

Benefits to Dealer Finance Plans

When you choose a dealer finance plan, you enjoy the convenience of purchasing your new vehicle and financing it in one place. Other benefits to dealer finance plans include:

  • A dealer can help determine if buying or leasing your vehicle in Costa Mesa would be the most advantageous. 
  • With bank auto financing, you’ll find that some banks limit the mileage and age of vehicles they’ll provide loans for. This can limit used car shoppers. 
  • Just fill out one application, and while you shop, we’ll find competitive matches just for you. You can even complete the application online! 
  • Banks can only give you one option, while dealers work with multiple lenders, which means you can accept the most competitive offer. 
  • Many dealerships work with buyers with credit issues.
  • Financing at a dealership also gives you the ability to negotiate other costs, like your down payment.
  • You may also be able to take advantage of dealership financing offers near Laguna Beach. 

Benefits to Bank Auto Financing

Banks have the ability to set their internal rates, and you may already have a pre-existing relationship with a bank you like. While these are perks to bank auto financing, it’s still worth comparing any numbers you get to what a dealer finance center can offer, as they will work with a larger number of lenders. 

Advantages of Mercedes-Benz Financial Services

Building on the benefits of dealership financing is the additional advantages of financing with Mercedes-Benz Financial Services. 

  • Exclusive Finance Offers – With programs like the Loyalty Program Accelerator, you’re sure to find great pricing and payment options. 
  • Leasing and Financing Options – Find affordable leasing and financing, including the option for balloon payments. 
  • Automatic Payments – Your car loan payment will be automatically deducted from your selected bank account when you set up payments online. 
  • First Class Finish – Experience quick returns and learn about possible leasing incentives towards your next Mercedes-Benz lease. 
  • Available Warranty Coverage – Keep your vehicle protected with extended or additional warranties. 

Explore Mercedes-Benz Financial Services Options Today

If you want to learn more about Mercedes-Benz Financial Services, our finance center representatives are here to help. Or, if you want to start the financing process online, you can apply online today!


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