Brand Finance

Mercedes Finance

The best or nothing

24–48
Months
3
Finance products

About Mercedes Finance

Mercedes-Benz UK operates under a direct agency sales model since January 2023. In 2024, the brand registered 102,757 new cars, a 17% increase year-on-year, with strong uptake of electrified and plug-in hybrid vehicles. Consumer car finance is arranged through Mercedes-Benz Financial Services UK Ltd, headquartered in Milton Keynes and regulated by the FCA. The typical buyer profile skews towards premium retail and executive fleet markets. The most popular product is Agility PCP, which defers the ownership decision until end of term via a Guaranteed Minimum Future Value payment. The finance arm also provides Hire Purchase and Personal Operating Leases.

Finance Facts

Finance provider Mercedes-Benz Financial Services UK Ltd (Mercedes-Benz Mobility AG)
Products
  • Agility (Personal Contract Plan) (PCP) — Fixed monthly payments with an Optional Purchase Payment, deferring the ownership decision to end of agreement.
  • Hire Purchase (HP) — Spreads the overall cost over a fixed term without a final balloon payment, leading to ownership.
  • Personal Operating Lease (Lease) — Fixed monthly rentals over a fixed term without the commitment or option of vehicle ownership.
Term range 24 – 48 months

Regulatory Notes

  • 2024: The FCA secured an undertaking from Mercedes-Benz Financial Services (UK) Ltd under the Consumer Rights Act 2015 to amend unclear excess mileage terms in HP agreements and conduct a voluntary redress exercise for contracts since 1 January 2014. [source]

Calculate Your Mercedes Finance

Run any Mercedes price through all three finance modes. See monthly payment, total payable, and total cost of credit side by side.

Your details

£
£
months
%
%

PCP result

Total Amount Payable

£29,386.98

This is the total that leaves your account — deposit + all payments + balloon

Representative Example

On-the-road price£25,000.00
Customer deposit£3,000.00
Amount of credit£22,000.00
Number of monthly payments48
Monthly payment£341.40
Optional final payment£10,000.00
Total amount payable£29,386.98
Total cost of credit£4,386.98
Representative APR6.9%
Annual mileage10,000
Compare all three finance types for this car