Apply For Mercedes-Benz Financing In Torrance, CA

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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 South Bay 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 South Bay 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.

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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 South Bay 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.**



Your Trusted Mercedes-Benz Finance Center in Torrance

Mercedes-Benz of South Bay

Mercedes-Benz of South Bay - Financing
Looking for a new or pre-owned Mercedes-Benz in the Inglewood, Hawthorne, or Manhattan Beach areas? Come to Mercedes-Benz of South Bay for the best possible financing and leasing deals on any of our brand new vehicles or pre-owned and Certified Pre-Owned cars and SUVs. 
Our friendly Mercedes-Benz financing specialists have the expertise and skills to help you find the right financial terms to put you in the car or SUV of your dreams. Stop by and speak to one of our finance Associates today or check out our monthly payment calculator. Our finance center is located at 3311 Pacific Coast Highway in Torrance, California. We're open from 9 a.m. to 9 p.m. Monday through Saturday and Sundays from 10 a.m. to 7 p.m.

Mercedes-Benz Specials and Lease Deals Near Me
Should you lease or finance your new or pre-owned Mercedes-Benz? Generally speaking, drivers who are interested in lower monthly payments or in driving the latest models every few years will prefer leasing. Our financial services and lease specialists can help you determine whether to lease the Mercedes-Benz car, SUV, convertible, or roadster you have your eye on. 

If you tend to drive more than 10,000 miles or so annually, or you're interested in having more control over your vehicle, purchasing a Mercedes-Benz might be better suited to your needs. At Mercedes-Benz of South Bay, our finance specialists can help you sort out your options for any Mercedes-Benz model, including S-Class, C-Class, E-Class, GLE, GLC, and more vehicles. 

How to Finance a Mercedes-Benz Vehicle
Looking for an auto loan? Use our secure online pre-qualification tools to get an idea of your car loan options before you come and see our new and pre-owned inventories in our dealership showroom. These tools can help you estimate monthly payments, review current lease and finance offers, and find out how much you'll be eligible to finance for your purchase. 

Your specific finance terms will depend on several factors, including your credit score, income, down payment, interest rate, and more. Our finance specialists will work hard to help you get the car that meets your personal needs. 

We'll Buy Your Car
Save money on your new purchase with a trade-in. No matter what kind of car you have, we'll give you a certified offer on your vehicle for free. That offer is good for seven days or an additional 500 miles on the odometer. Mercedes-Benz of South Bay will be happy to buy your car and help put you behind the wheel of a new or pre-owned Mercedes-Benz today. Simply visit our website and request your certified offer. 

Visit Mercedes-Benz of South Bay in Torrance, CA
Finance your new Mercedes-Benz purchase with Mercedes-Benz of South Bay in Torrance, CA at 3311 Pacific Coast Highway. Contact us at our phone number (310) 513-5300 or see us in person when our dealership opens. 

We're open today and every day: from 9 a.m. to 9 p.m. Monday through Saturday and from 10 a.m. to 7 p.m. on Sundays. 

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Your privacy is important to us.

Mercedes-Benz of South Bay takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


*Subject to in-store verification, vehicle condition and mileage. Appraisal valid for 7 days or 500 miles, whichever comes first. See store for details. Some restrictions apply.

** These calculations are for reference purposes only. All figures are estimates only and are not guaranteed as accurate. Always consult a professional financial advisor.


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