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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 Naperville 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 Naperville 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.

Appearance & Maintenance

Theft & Investment

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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.

Estimate Your Payment

Mercedes-Benz Special Offers

Mercedes-Benz of Naperville 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.**

Exterior view of Mercedes-Benz of Naperville

Finance a Mercedes-Benz in Naperville, IL

Mercedes-Benz of Naperville offers many simple Mercedes-Benz finance, auto loan, and lease deals for used, Certified Pre-Owned, and new vehicles. Whether you're interested in the G-Class, C-Class Cabriolet, E-Class, GLA, GLE, GLC, S-Class Coupe, or anything in between, we will work with you to find a lender and program that meets your personal needs. Our finance team is there to help you with any questions you may have.

To get started, check out our inventory of Mercedes-Benz models online and pick out a new or used car or SUV you'd love to test drive. Our online financing application is designed to make your experience easy and stress-free.

Mercedes-Benz Specials and Lease Deals Near Me

Wondering whether you should lease or buy a new Mercedes-Benz car? If you're not sure you want to commit to buying the vehicle, you can lease a Mercedes-Benz vehicle, which will give you all the benefits of driving a Mercedes-Benz, but with a lower monthly payment and down payment. You can also lease Certified Pre-Owned Mercedes-Benz cars.

Our Naperville dealership finance center offers straightforward, worry-free pricing. Many special offers on new and Certified Pre-Owned vehicles are available through Mercedes-Benz Financial Services. Mercedes-Benz also offers First Class Lease Protection, which provides coverage at the end of the current lease for some chargeable items. Check out everything you need to know about our offers and specials for Mercedes-Benz vehicles on our website.

How To Finance a Mercedes-Benz Vehicle

To find out if you qualify for financing, apply using our fast and secure online application to know where you stand before coming in. You can find out how much you qualify for and what your car loan monthly payments and interest rate would look like through our payment calculator.

Plus, Mercedes-Benz of Naperville offers many simple financing and lease programs for high-quality used and Certified Pre-Owned vehicles to help you find an affordable way to drive the car of your dreams, regardless of your credit score. When you finance with us, you'll be getting no-hassle financing through Mercedes-Benz Financial Services. This means that we take the risk of reselling or trading in the vehicle at the end of the lease, regardless of your credit. This is our finance pledge to our customers.

We'll Buy Your Car

Mercedes-Benz of Naperville will buy your car from you if you wish, even if you don't purchase a new vehicle from us! We'll give you a certified offer, which is good for cash and guaranteed for seven days or 500 miles. Once you decide to sell or trade in your car, you can bring it in and get paid the same day.

Visit Mercedes-Benz in Naperville, IL

Mercedes-Benz of Naperville, proudly serving the areas of Naperville, Aurora, Wheaton, and Joliet, is the largest and most popular Mercedes-Benz dealership in the Naperville area.

Located in the Chicagoland area, one of the most populous metropolitan areas in the United States, Mercedes-Benz of Naperville sits at the corner of Ogden Avenue and Jefferson Avenue in Naperville. Call our dealership to learn more and schedule a test drive in one of our many new and used cars for sale including: