Mercedes-Benz Vans Finance Solutions

More options, so
you can create
more opportunities.

More options, so you can create more opportunities.

More options, so you can create more opportunities.

Finance Solutions

Mercedes-Benz consistently delivers commercial vehicles with technological advances and class-leading features to help businesses do their finest work. And, as the captive financial services provider for Mercedes-Benz USA, nobody does more to deliver the right financing products to suit the diverse needs of business customers than Mercedes-Benz Financial Services. With the understanding that every commercial customer is unique, we offer a variety of products and financing solutions with flexible benefits and competitive rates tailored specifically to your business.

Commercial Retail Financing

We have more than 40 years of experience in commercial financing and understand that our customers may need a specialized payment structure. Our commercial retail financing options give commercial customers the opportunity to customize a comfortable payment schedule that best fits their needs. We can accommodate up to 90 days to first payment, balloon and skip payment options as well as accelerated payment options. We can even structure a solution to finance the van, upfit equipment and aftermarket products into one package. The customer will own the van at the end of the term and be able to take advantage of the depreciation benefits.**

Vehicle Lines of Credit

This solution makes the vehicle financing process easier by eliminating the need to submit a credit application for each transaction after a Line of Credit has been established. As a result, fleet managers can plan ahead for future acquisitions more efficiently. They will receive rate and credit line structures based on their fleet size. Line of Credit customers may acquire vehicles under any of our Commercial Van finance and lease options.

Fair Market Value (FMV) Lease

The FMV lease is a closed-end lease agreement that meets all the requirements of an operating lease. It is commonly referred to as a walk-away lease since the lessee can simply turn in and walk away from the vehicle at lease maturity and after meeting all obligations of the contract, subject to certain return conditions and mileage restrictions. It typically requires a lower initial cash outlay and lower monthly payments than through a traditional loan, and payments may be expensed against income.** While the lessee avoids the risks and responsibilities typically associated with vehicle ownership, the lessee can also purchase the truck at the end of the term for its current fair market value.

Terminal Rental Adjustment Clause (TRAC) Lease

The most popular form of commercial leasing is a TRAC lease. It does not require any acquisition fee or up-front payment or excess mileage charges and lease payments may be expensed against income.** With a TRAC lease, the customer is responsible for the residual value of the vehicle, so that value is determined with customer input.** There are also multiple options at lease-end including acquiring the vehicle or receiving the excess proceeds upon MBFS' sale of the vehicle (if applicable).

Zero-TRAC Lease

Zero-TRAC leases offer many of the same benefits as the traditional TRAC lease, including having the payments expensed against income** and no excess mileage charges. A Zero-TRAC lease is a fully amortized lease that offers ownership of the vehicle at lease-end with little or no cash outlay.*** Customers can also choose to have us sell the vehicle , and we will return any net proceeds from the sale directly to them.

Our entire family of finance professionals is dedicated to providing you with a first-class financing experience.

* Actual rates, terms, down payment, advance and program eligibility will be determined by Mercedes-Benz Financial Services' credit team based upon creditworthiness of customer. Program rates or terms may be changed or the program may be terminated at any time at the sole discretion of MBUSA and MBFS.

** Consult your tax or financial advisor for tax and accounting treatment.

*** Sales tax may be due in some states.