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Mercedes-Benz Finance

Mercedes-Benz Car Finance

Drive a Mercedes-Benz for less than you think. Happy Motor Finance offers competitive finance deals on all Mercedes models, from the A-Class to the S-Class.

Check Your Eligibility in 60 Seconds
No Effect on Credit Score Soft Search Only FCA Regulated All Credit Types Welcome Quick Decisions Any Reputable Dealer SAF Authorised
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4.9
Google Reviews

With no impact to your credit score*

Calculate Your Finance

£6,500
£200

Estimated monthly payments

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

About Mercedes-Benz Car Finance

Mercedes-Benz has been at the forefront of automotive engineering since Karl Benz invented the first petrol-powered car in 1886. With a heritage spanning over 130 years, the three-pointed star remains one of the most recognisable and respected badges in the world.

In the UK, Mercedes-Benz consistently ranks among the most popular premium brands. Financing a Mercedes through Happy Motor Finance means you can enjoy the prestige, safety, and technology the brand is famous for, with monthly payments tailored to your budget.

Popular Mercedes-Benz Models We Finance

Our customers finance a wide range of Mercedes-Benz models, including:

  • Mercedes A-Class — A premium hatchback with cutting-edge technology
  • Mercedes C-Class — An executive saloon that rivals the best
  • Mercedes E-Class — A refined choice for those wanting luxury and space
  • Mercedes GLA / GLC / GLE — The SUV range combining style with practicality
  • Mercedes CLA — A stylish four-door coupe with head-turning looks
  • Mercedes EQA / EQC / EQS — The all-electric Mercedes range for forward-thinking drivers

Whatever Mercedes model you desire, we can help make it happen.

What Are My Finance Options?

We offer flexible finance solutions for your Mercedes-Benz purchase:

  • Hire Purchase (HP) — Fixed monthly payments over a set period. The car is yours once you've completed all payments.
  • Personal Contract Purchase (PCP) — Lower monthly payments with the choice to buy, return, or upgrade at the end of the agreement.
  • Personal Loan — Borrow a set amount, own the Mercedes from the start, and repay over an agreed term.

Each option has its own benefits, and our advisors will help you choose the one that best suits your lifestyle and financial goals.

Mercedes-Benz Finance for All Credit Scores

You don't need a perfect credit score to drive a Mercedes. At Happy Motor Finance, we work with specialist lenders who understand that credit histories don't always tell the full story. Whether you've had past difficulties or simply have a limited credit footprint, we'll do our best to find a lender willing to help.

Our initial application uses a soft credit search, meaning there's no mark left on your credit file. You can explore your options risk-free.

Why Choose Happy Motor Finance for Your Mercedes-Benz?

Mercedes-Benz represents the pinnacle of automotive luxury and innovation. At Happy Motor Finance, we believe owning a Mercedes should be achievable for more people, which is why we work tirelessly to find competitive finance deals across our panel of lenders.

Whether you have a flawless credit history or have faced financial challenges, our team will search for the best possible rate for your circumstances. Our process is transparent, pressure-free, and designed to get you into your Mercedes as quickly as possible.

How It Works

Getting car finance doesn't have to be complicated. Here's how our simple process works.

📝

Apply Online

Complete our quick and easy application form in just a few minutes. It won't affect your credit score.

🔍

Get Matched

We'll search our panel of lenders to find the best deal for your circumstances.

🚗

Choose Your Car

Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.

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Sign & Drive

Sign your finance agreement and drive away in your new car. It really is that simple!

Start Your Application

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Mercedes-Benz Car Finance FAQ

Yes, we consider all credit types at Happy Motor Finance. Our lender panel includes specialists in adverse credit, so even if you have CCJs, defaults, or a history of missed payments, we encourage you to apply.
The amount you can borrow depends on your individual circumstances. We regularly finance Mercedes models across the full range, from quality used vehicles to newer, higher-specification models.
No, we offer no-deposit options. A deposit is entirely optional, but putting one down can help lower your monthly payments and potentially secure a better interest rate.
Used Mercedes models can offer exceptional value, especially models that are two to four years old with low mileage. The initial depreciation has already occurred, meaning you get a premium vehicle for a fraction of its original price.
Our application process takes just minutes. Many customers receive a decision the same day, and once approved, funds are typically released within 24 to 48 hours, so you could be driving your Mercedes within days.

Ready to Finance Your Mercedes-Benz?

Apply now for Mercedes-Benz car finance. Quick, easy, and no effect on your credit score.

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Our Lending Partners

Representative Example

Borrowing

£6,500

Term

60 months

Monthly Payment

£161.19

APR

16.9%

Total Amount Payable: £9,671.55

This is a representative example. The rate you are offered may differ depending on your personal circumstances.