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Dealer Finance Plans vs. Bank Auto Financing

When you’re ready for a new vehicle and have to find an auto loan, you can turn to a dealer finance center or pursue bank auto financing. Both options have some benefits, though dealer finance centers can provide a wider range of offers and the ability to negotiate. Learn more about your financing options and Mercedes-Benz Financial Services near Fremont!

Why Finance at a Dealer Finance Center?

A dealer finance center is an easy option, as it’s right at the dealership lot. While that could be enough to sway your decision, there are other reasons to consider financing at your dealership: 

  • Leasing & Financing- For some shoppers, it may make more sense to lease vs. buy your vehicle, and you can do both at a dealer finance center. 
  • Mileage/Age Restrictions- When it comes to used cars, buyers can have their options limited with a bank. That’s because banks often have age and mileage limits for their auto loans. 
  • Easy Application- With a dealership, one online application gives you access to a network of lenders. With bank auto financing, you’ll have to complete multiple applications to get multiple offers. 
  • Credit Issues- Buyers with credit issues will find that some dealerships specialize in working with those with credit issues. 
  • Room to Negotiate- Finance at a dealership, and you’ll have room to negotiate other costs- like your down payment. 
  • Special Financing Offers- Dealerships often have special finance offers available that you can only take advantage of if you go through them. 

Should You Consider Bank Auto Financing?

Banks offer some advantages for shoppers as well. For instance, some buyers may feel comfortable with their bank, as they have already formed a relationship with them. Banks can also set their internal rates. Still, you may find a dealer finance center can offer you a better interest rate and terms, so it’s always worth comparing your offers. 

Why Choose Mercedes-Benz Financial Services?

While there are benefits to dealership financing, Mercedes-Benz Financial Services kicks it up a notch with its world-class service. 

  • Special Offers- With exclusive offers and programs like the Loyalty Accelerator Program, you can enjoy better pricing on your new Mercedes-Benz. 
  • Financing & Leasing- You can finance, lease, and have options for things like balloon payments. 
  • Automatic Withdrawals- Don’t worry about missing a payment when you can have your payments automatically withdrawn from a connected checking account.
  • First Class Finish- End your lease with an easy return and possibly some other offers with our First Class Finish. 
  • Added Warranty Coverage- Add coverage or extend warranties to protect your vehicle longer on travels from Union City to San Jose. 

Find Your Dealer Finance Options at Fletcher Jones Motorcars of Fremont!

If you’re in the market for a new or pre-owned Mercedes-Benz in the Bay Area, browse our inventory online today! You can also access online tools like our value your trade tool to take even more off the price of your next vehicle.


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Fletcher Jones Motorcars of Fremont 37.499935, -121.976792.