You can also view Mercedes-Benz Financial Services UK Ltd FAQs for Vans here.

Frequently asked questions about Mercedes-Benz Financial Services UK.

Mercedes-Benz Financial Services UK Ltd gives you the freedom and flexibility to drive away in the Mercedes-Benz of your choosing, in a way that fits around your lifestyle. You’ll benefit from a range of both purchase and lease products from Agility (Personal Contract Plan) and Hire Purchase to Contract Hire and Operating leases, so you can find the solution that’s right for you.

Your preferred Showroom will also be on hand to help provide expert advice on our range of financial products and the features, benefits and limitations of each, find your local Showroom here. Throughout your journey with Mercedes-Benz Financial Services UK Ltd you’ll be provided with tailored customer service via phone, email and web, so you’re supported in the way that suits you best. If at any point in your journey you need extra help managing your agreement, Mercedes-Benz Financial Services UK Ltd have a dedicated sensitive case team here to help.

To apply for finance you’ll need to be 18 years or older and be a resident of the UK. Please note, you should only be applying for finance for yourself and not on behalf of another person.

Find out more information about the finance products here or use the Mercedes-Benz Financial Services UK Ltd Comparison table, and if there are any terms used that you’re unsure of, take a look at the Glossary. Everything’s been made easy to understand, with clear explanations and examples. If you have any further questions on choosing your next Mercedes-Benz, please get in touch with your local Showroom, you can find your nearest Showroom here.

You can withdraw from a finance application at any point before signing the agreement, but please note, if your application has been processed this will leave a credit search footprint on your credit file showing which organisation conducted the search, the type of search and date.

If you’ve signed your agreement, but no longer want to continue with the finance, please refer to your agreement for exact information on if you have the right to withdraw. Please note this is a withdrawal from the finance and not from the purchase of the vehicle – so you will have to repay the finance by other means. You’ll need to withdraw within 14 days after the start date confirmed to you in your agreement. If you don’t withdraw from the agreement within the 14-day period the agreement remains binding.

Please note, if you decide on a Hire Purchase or Agility agreement and want to withdraw, you’ll be liable to repay the amount of credit to us within 30 days. When payment is made to us in full and within the time period, you’ll take ownership of the vehicle. If this is not paid within the 30 days we have the right to recover the sums due and/or the vehicle.

Find out more information about the finance products available for your Mercedes-Benz using the Comparison table here, and if there are any terms we use that you’re unsure of, take a look at the Glossary. Everything’s been made easy to understand with clear explanations and examples. If you have any further questions on choosing your next Mercedes-Benz, please get in touch with your local Showroom, you can find your nearest Showroom here.

As a responsible lender, regulated by the Financial Conduct Authority (FCA), we use Open Banking to check that you can make the monthly payments now and throughout your agreement.

By securely sharing your financial data, we’re able to see that you can maintain the monthly payments throughout your agreement and verify the details provided in your application. The FCA requires us to make these checks for all customers, including those who have financed with us before.

Yes. Open Banking is a secure and encrypted service provided by your bank or building society.

This process is supported through Consents.online, a trusted provider regulated by the Financial Conduct Authority (FCA), which means they meet strict security and data protection standards. We’ll have read-only access to the last six months’ worth of bank statement data from the accounts you choose.

Before deciding the best way to finance your car, you’ll need to assess your affordability, the finance product that suits you best and any limitations associated with it. It’s best to think about how much you can afford, how long you’d like to keep the car and the total number of miles you’ll be driving each year. Mercedes-Benz Financial Service UK Ltd recommends reading the product comparison table, showing the finance products offered to help you decide which option is best for you.

Whether you choose a lease product or a purchase product you’ll need to decide how long you’d like finance for. Mercedes-Benz Financial Services UK Ltd offer contract durations across our finance products from 24-48 months through the Online Showroom, or you can get an agreement of up to 60 months for Hire Purchase through your local Showroom. You can use the finance calculator on the Online Showroom to adjust the quote to suit you.

Whilst searching for your next Mercedes-Benz you can also use the Value My Car tool on the Online Showroom to get an indicative valuation for your current vehicle. This can be added to your finance quote and possibly go towards your deposit. Please note the valuation is indicative of the price your current vehicle may be worth, along with the information you have provided in your finance application. If you wish to sell your vehicle your preferred Showroom will agree a final price, this can then be used as a deposit for your next Mercedes-Benz. Alternatively, if you choose a lease product the equity from your current car can be put towards your advance rental.

If you'd like to continue with a full finance application, please send an enquiry to your preferred Showroom. They’ll contact you within 48 hours and help you to complete your application.

Whilst searching for your Mercedes-Benz you might have questions on our vehicles and want to speak to someone to discuss this further. On the Online Showroom you can access our Live Chat support platform, where you’ll be able to speak with one of our physical agents who can help to search stock and find the right vehicle for you. They can also request a call back or test drive with your preferred Mercedes-Benz Showroom. They’re open Monday – Friday 8am – 7:30pm, Saturday –Sunday 9am – 5pm, subject to bank holidays.

Alternatively, you can contact your local Mercedes-Benz Showroom who’ll be able to explain the features, benefits and limitations of each finance product that we offer and talk you through our wide range of vehicles. You can find your nearest Showroom using the link below.

Find out more information about the finance products available for your Mercedes-Benz using the Comparison table here , and if there are any terms we use that you’re unsure of, take a look at the Glossary. Everything’s been made easy to understand with clear explanations and examples. If you have any further questions on choosing your next Mercedes-Benz, please get in touch with your local Showroom, you can find your nearest Showroom here.

If you’ve missed a payment we’ll re-request it from your account within 7-10 working days, when your bank informs us that your Direct Debit has been rejected. If the first attempt fails, we’ll let you know that you’ll need to make the missed payment manually by contacting us on the below details.

Please note if the rejection is due to a lack of funds in your account; your bank may charge you when we request payment.

If you would like to get your account up to date you can make a payment using the Mercedes-Benz Finance Portal or over the phone by calling 0333 345 3300, we’re open Monday – Friday 8.30am – 5pm, excluding bank holidays. You’ll need your agreement number and original vehicle registration number to hand.

Alternatively, If you’re having trouble managing your agreement, worried about making a payment, or experienced a change in your circumstances such as an unexpected life event which has affected your income, please contact us via our online forms or call us on 0370 847 0700. We’ll work with you to find a solution tailored to your needs. Please have your agreement number or vehicle registration to hand. We’re open Monday - Friday: 9am – 5pm, excluding bank holidays.

For more information on how we can help support you throughout your finance agreement, please visit our Customer Support and Financial Wellbeing page here.

This'll depend on which Mercedes-Benz Financial Services UK Ltd agreement you have.

• For Operating Lease and Contract Hire agreements the rentals are collected in advance, with the first rental due at the start of your agreement.

• For Agility and Hire Purchase agreements the monthly payments are collected in arrears.

You can find out your payment date with the Mercedes-Benz Finance Portal. If you haven’t used the Mercedes-Benz Finance Portal before, you’ll need your agreement number and vehicle registration number to register. The Mercedes-Benz Finance Portal allows you to manage your Mercedes-Benz Financial Services UK Ltd Agreement online 24 hours a day, 7 days a week. Simply login to view your documents, edit your contact details, make changes to your bank details or monthly payment date.

Alternatively, you can contact us, we’re open Monday – Friday 9am – 5pm, excluding bank holidays.

Please note if you change your payment method during your finance agreement such as making manual payments or implementing a standing order with your bank account, you’ll need to notify us by calling 0370 847 0700. We’re open Monday – Friday 9am – 5pm, excluding bank holidays. Failure to communicate these changes may result in possible unallocated payments and ongoing standing orders at the end of your agreement.

Only three of our finance products require an Annual VAT invoice. If you have a Contract Hire, Operating Lease or Finance Lease Agreement you will receive an annual VAT Invoice, this will show your periodic payments covering a 12 month time period in advance.

If you aren’t sure which finance product you have, you can find out on the Mercedes-Benz Finance Portal, or contact us. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

All customers need to have an active Direct Debit set up for their regular monthly payments. This is the simplest way to make sure your payments are made on time.
If a Direct Debit payment is missed or fails you can still make the payment using the options below.
Please note all payments must come from an account registered in your name at your address. Once we’ve received your payment, it will normally be added to your account the next working day, unless you pay by debit card over the phone, which is instant.

Online Portal
Available anytime, our online portal is the easiest and quickest way to make a payment. Log in or register to pay any outstanding payment online.

Bank Transfer
You can transfer your monthly payment to us using our account details below.

Please include your vehicle registration or agreement number as the payment reference.

Bank: NatWest
Account Name: Mercedes-Benz Financial Services UK Ltd
Sort Code: 60-14-55
Account Number: 37358804

Debit Card
You can call us anytime on 0370 847 0700 and use our automated telephone service to make a payment. Just select option 1 and then option 2.

We’re open Monday to Friday 9am to 5pm, excluding bank holidays.

Call us on 0370 847 0700 and select option 6 to talk through any issues you’re having with registering for the Mercedes-Benz Finance Portal. We’re open Monday – Friday 9am – 5pm, excluding bank holidays. You’ll need your agreement number and vehicle registration to hand.

To request a copy of all information we hold on you under the Data Protection legislation you’ll need to contact us or make a general enquiry through our online form. We’re open Monday – Friday 9am – 5pm, excluding bank holidays. You’ll need your agreement number and vehicle registration number to hand.

For more information on your rights under the Data Protection legislation please read our Privacy Policy and visit the link below:

Information Commissioner’s Office website

To add an authorised contact to your finance agreement, you’ll need to contact us or make a general enquiry through the online forms by selecting ‘ask something else’ from the drop down menu and letting us know their details. Please be aware an authorised contact can only discuss the agreement with us, they are not able to make any changes on your behalf. You’ll need your agreement number and vehicle registration to hand.

Excess mileage charges are only applicable if you’re returning your vehicle. If you return your vehicle over the total permitted mileage, you’ll be invoiced for this at the end of your agreement once the vehicle has been assessed against our Vehicle Return Standards.

It can take up to 30 days for the invoice to be processed and please note, it’s not possible to increase your mileage during the contract term.

How excess mileage is calculated:

You must not go over the total permitted mileage, which is based on the annual permitted mileage shown in your original agreement.

If you go over the total permitted mileage, we'll charge you the pence per mile charge (as shown in your original agreement) for each mile you've gone over the mileage we agreed with you at the start of your contract.

If the agreement is ended early for any reason, we’ll work out the total mileage you are allowed to drive based on the date on which you return your vehicle to us using the following calculation.

We’ll do this by taking the annual permitted mileage figure stated above and dividing it by 12 to calculate the monthly mileage allowance. We’ll then multiply the monthly permitted mileage by the number of months that you’ve had the vehicle.

Please note: Excess Mileage fees will apply for agreements from 1st January 2025 if you exercise the right to voluntarily terminate. For more details click here.

If you digitally signed your agreement, you can log in to the Mercedes-Benz Finance Portal to see your agreement. Just click “Documents’’ at the top of the page. Otherwise please contact us on 0370 847 0700 to ask for a copy. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

If you’d like to return your vehicle to us before the end of your agreement, one of your options is an early handback. An early handback means you’ll pay 95% of your remaining monthly rentals, ending your agreement. You can request an early handback quote at any point in your agreement if you have a Contract Hire, Operating Lease or Agility (Personal Contract Plan) Agreement.

You can request an early handback quote by calling us on 0370 847 0700. We’re open Monday – Friday 9am – 5pm, excluding bank holidays. Quotes can be paid by bank transfer, cheque or by calling us and paying over the phone. You can return your vehicle to your local Showroom by contacting them directly, or by letting us know on the number above. Alternatively, our logistics partner British Car Auctions (BCA) will be in touch within 5 working days after you’ve made payment. Please note, early handbacks will show as ‘settled’ on your credit file.

If all contractual options to return the vehicle or end the agreement come at a substantial loss, you can Voluntarily surrender the vehicle to us. If you choose to go ahead with Voluntary Surrender, we will report the account as “default” on your credit report. This status indicates that you did not fulfil the terms of the loan agreement, and it is considered a negative mark on your credit history. The act of surrendering the vehicle indicates that you were unable to make the required payments, and it will be reflected in your payment history. Missed or late payments leading up to the surrender will have already had a negative impact on your credit score. By voluntarily surrendering the vehicle you are voluntarily handing the vehicle back and it is not a requirement of MBFS to obtain a court order in order to seek repossession of the vehicle.

Credit Score Impact: The Voluntary Surrender will likely cause a significant drop in your credit score.

Credit Report Duration: The default will stay on your credit report for up to six years from the date it was first reported. During this time, it will be visible to potential lenders and can affect their decision to extend credit to you.

Future Credit Applications: The presence of default on your credit report may make it challenging to obtain new credit in the future. Lenders may see you as a higher risk, and you might face higher interest rates or be denied credit altogether.

The vehicle will be sold at a closed auction and the balance at sale is taken off the outstanding balance to settle the agreement. If any balance is still owed after this point, your account will be passed to our specialist team for payment or alternatively they will set up a plan with you to repay.

We’ll look to sell the vehicle within a reasonable time at a fair market price. Following the sale of the vehicle, the below will be deducted from the sale price and you’ll be liable for these costs, if applicable:

• Any recovery costs including agent fees for collecting the vehicle, storage fees and the use of a tow truck if the vehicle is not road worthy. You’ll also have to pay for any refurbishment and repairs, plus auction fees.

· All outstanding monthly payments and the balance of the total amount payable under this agreement, including any optional final payment and option to purchase fees.

Less:

The net proceeds of sale of the vehicle (if any) after deduction of the reasonable costs of finding you or the vehicle and any other associated with the recovery, refurbishment/repair, insurance, storage or sale of the vehicle. We will endeavour to sell the vehicle within a reasonable time at a fair market price.

To proceed with a Voluntary Surrender, please email us a signed and dated document stating you wish to Voluntary Surrender the vehicle, including your registration and agreement number, to collections‑uk@mercedes-benz.com or if you would like to discuss this in more detail please contact us on 0333 3453300. We’re open Monday – Friday 8:30am – 5pm, excluding bank holidays. Mercedes-Benz Financial Services UK Ltd.

You can voluntarily terminate your agreement by using our online forms or by calling us on 0370 847 0700, please have your agreement number to hand. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

Please note, you can only voluntarily terminate your agreement if you have a Regulated Agility (Personal Contract Plan) or Hire Purchase agreement with Mercedes-Benz Financial Services UK Ltd. Please contact us to ask if you are not sure whether your agreement is regulated or not.

When we've received your confirmation, we'll end your agreement and arrange to collect your vehicle. Please only confirm you wish to Voluntarily Terminate when you’re ready to stop using the vehicle as you won’t be able to drive it after that point.

Certain agreements have the right to withdraw, please refer to your agreement for exact information or contact us. If you would like to withdraw from your Finance Agreement, please make sure you get in touch within 14 days of signing the Finance Agreement (excluding the date the agreement was signed). We’re open Monday – Friday 9am – 5pm, excluding bank holidays. You’ll need your agreement number and vehicle registration to hand.

Please make sure you have the funds in place if you would like to withdraw from your Finance Agreement, as we are unable to reverse the transaction once we’ve received your written or verbal notification.

When we call you, we’ll take you through certain security checks to verify your identity. However, we’ll never ask you for full bank account or login details. If you suspect the call is from a scammer, end the call and block the number.

If you clicked a link, don’t enter any information. Open your antivirus software and run a full scan to check for problems.

If you entered a password, change it on any of your accounts which share the same password.

If you’ve already entered payment information, contact your financial institution immediately as your account may have been compromised. Then, please contact us on 0370 847 0700 (Monday - Friday, 9am - 5pm), so we're aware of the situation.

For more information on how we keep your data secure, view our privacy policy.

The Mercedes-Benz Finance Portal lets you manage your agreement online with ease, any time that suits you.

You can use the portal to:
- View your documents
- Update your contact details
- Change your bank details or monthly payment date
- Make payments
- Request an early settlement quote for Agility (PCP) or Hire Purchase agreements.

Yes. Depending on your agreement type, you may be able to:

• Make missed monthly payments
• Pay an early settlement quotation
• Pay fines such as speeding or parking charge notices
• Pay any charges at the end of your agreement

If you have an Agility (Personal Contract Plan) or Hire Purchase agreement and want to own your vehicle outright before your agreement is due to end, we can provide a settlement quote. It'll only be valid for a short time, so make sure you check the expiry date.

We'll continue collecting your monthly payments as normal until we receive your early settlement funds. With this in mind, please don't cancel your Direct Debit until we confirm we've received your payment. If full settlement funds are received within the validity dates of the quote, any monthly payments taken in the time between will be returned to the account we take your monthly payment from, within 10 calendar days. Provided there are no arrears on the agreement.

The legal title to the vehicle remains with Mercedes-Benz Financial Services UK Ltd until all funds have been received in full and cleared, which can take up to 7 days. If you're not able to settle your agreement before the quote expiry date, you'll need to request another quote.

There are a few ways you can get a quote for your Agility (Personal Contract Plan) or Hire Purchase agreement, but first you’ll need your agreement number and vehicle registration number.

You can:

• Visit the Mercedes-Benz Finance Portal , our customer portal (you can get a quote and also pay using a card). Click here to watch our video showing you how to request a settlement quote and pay it using the Mercedes-Benz Finance Portal.
• Contact your local Showroom - you can find your nearest one here.
• Complete our online forms by selecting ‘request a settlement quote’ from the drop down menu and we'll send you a quote by post.
• Call us on 0370 847 0700. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

You can voluntarily terminate your agreement by providing written notification to us. Please contact us if you’d like to discuss this option. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

Once you have provided written notification that you would like to voluntarily terminate your agreement, you’ll no longer be permitted to use the vehicle but must make sure the vehicle is insured until it is collected or returned.

You must hand back with the vehicle, the keys (including spare keys), the full-service history and V5 registration document (excluding Contract Hire); if not this could result in additional charges.

If you have paid at least 50% of the total amount due on your agreement (including the deposit, amount borrowed, interest and all fees) you may not need to pay any further sums. If you have not paid more than the 50% figure given in your agreement, you’ll be required to make a shortfall payment, which we can calculate for you. If you’re uncertain as to how much you have paid, please contact us.

Your vehicle will be assessed against the Vehicle Return Standards which you can find here along with our Charges Matrix. After the vehicle’s return, you’ll be invoiced for any applicable charges due under the agreement, including extra days’ rental, excess mileage charges (where applicable) and damage charges outside fair wear and tear. Please check your agreement for further details on what we may charge or get in touch with us.

Please note: Excess Mileage fees will apply for agreements from 1st January 2025 if you exercise the right to voluntarily terminate.

If you agree to voluntarily terminate your agreement, it can have both positive and negative impacts on your credit profile, depending on the circumstances of the termination and future lenders interpretations:

Positive impact: If you have made all the required payments up to the point of termination and return the goods in good condition (subject to fair wear and tear), the account can be marked as "satisfied" or "settled" on the credit report. This indicates that you have fulfilled your financial obligations, which can be viewed positively by future creditors.

Negative impact: The termination of a credit agreement can still have some negative consequences on your credit profile, even if the account is marked as "satisfied" or "settled." Future lenders may view a Voluntary Termination as an early exit from a credit agreement, which could raise concerns about your ability to honour long-term credit commitments.

Credit Score Impact: The Voluntary Surrender will likely cause a significant drop in your credit score.

· All outstanding monthly payments and the balance of the total amount payable under this agreement, including any optional final payment and option to purchase fees.

Less:

It can take up to 30 days for the invoice to be processed and please note, it’s not possible to increase your mileage during the contract term.

How excess mileage is calculated:

Please note: Excess Mileage fees will apply for agreements from 1st January 2025 if you exercise the right to voluntarily terminate. For more details click here.

You can request a statement of your account, which includes your financial payments to date by contacting us or use the online form by selecting ‘request a copy of a document’ from the drop down menu. We’re open Monday – Friday 9am – 5pm, excluding bank holidays. You’ll need your agreement number and vehicle registration number to hand.

If you aren’t sure which finance product you have, you can find out on the Mercedes-Benz Finance Portal, or contact us. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

If any of your details change, such as: your name, address, contact or bank account details. Please let us know so it does not affect your monthly payment and we can keep our records up to date.

The easiest way to update your personal and banking details is by using the Mercedes-Benz Finance Portal. This allows you to manage your agreement online 24 hours a day, 7 days a week.

To register with the Mercedes-Benz App you’ll need your agreement number and vehicle registration number to hand before you can create and connect your account to the Mercedes-Benz Finance Portal. Alternatively, use our online forms by selecting ‘Change my bank details’ from the drop down menu, or contact us, we’re open Monday – Friday 9am – 5pm, excluding bank holidays.

Please note if the rejection is due to a lack of funds in your account; your bank may charge you when we request payment.

For more information on how we can help support you throughout your finance agreement, please visit our Customer Support and Financial Wellbeing page here.

If you have an Agility (Personal Contract Plan agreement) you have the option to keep your vehicle at the end of the agreement. To complete the purchase of your vehicle, you’ll need to have made all your monthly payments due under the agreement, then pay the Optional Purchase Payment (balloon) and Option to Purchase Fee of £10. We’ll take this payment at the end of the agreement by Direct Debit on the same date that we collect your monthly payments.

This is the default option. If you don’t let us know what you plan to do at the end of your agreement we will debit your account as mentioned above.

You can view the Optional Purchase Payment (balloon) and when this is due in the Mercedes-Benz Finance Portal. Select Further Details within the agreement overview page.

If you need to discuss this option please contact your local Showroom, use our secure online forms, or call us on 0370 847 0700 to get in touch. We’re open Monday – Friday, 9am – 5 pm, excluding bank holidays.

The vehicle remains with you and you will not be able to hand this back to either your local Showroom or Mercedes-Benz Financial Services UK Ltd. You must repay the full amount borrowed within 30 days of withdrawing from your Finance Agreement. You can do this by bank transfer or Debit Card. We’ll also make sure no footprint with reference to a withdrawal appears on your credit file. Please be aware if payment is not made within 30 days, we reserve the right to take action to recover the sums due and/or the vehicle.

If you are thinking of withdrawing from you Finance Agreement, please make sure you contact us within 14 days of signing the Finance Agreement (excluding the date the agreement was signed). We’re open Monday – Friday 9am – 5pm, excluding bank holidays. You’ll need your agreement number and vehicle registration to hand.

If you have an Agility (Personal Contract Plan) or Hire Purchase agreement, you might have the option of partially settling your agreement. Please refer to your agreement for exact details or contact us if you're uncertain.

You can partially settle by making a one off payment to reduce the amount of finance outstanding, please note the term of your agreement will not change. You can partially settle as many times as you'd like throughout the duration of your agreement, and there are no penalties associated if you decide to do this.

If you would like to discuss the option of a partial settlement or would like to partially settle your finance agreement, please contact us. We’re open Monday – Friday 9am – 5pm, excluding bank holidays.

Please note we can only accept partial settlement payments by Direct Debit and you’ll need your agreement number and vehicle registration number to hand.

There are a few ways you can get a quote for your Agility (Personal Contract Plan) or Hire Purchase agreement, but first you’ll need your agreement number and vehicle registration number.

You can:

Credit Score Impact: The Voluntary Surrender will likely cause a significant drop in your credit score.

· All outstanding monthly payments and the balance of the total amount payable under this agreement, including any optional final payment and option to purchase fees.

Less: