Mercedes-Benz Financial Services

Mercedes-Benz Financial Services Reviews

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Overall Rating2.8 out of 5
See all 77 reviews & ratings

About Mercedes-Benz Financial Services Reviews

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Mercedes-Benz Financial Services is an in-house financing provider for vehicles from Mercedes-Benz and other brands under its parent company, Daimler AG. It provides an online payment calculator, and you can apply online or at a local dealership to get preapproved. After your purchase, you can manage your account and make secure payments online.

Pros & Cons


  • Apply online or at a dealership
  • Flexible payment options
  • Preapproval option
  • Online account management


  • Limited automaker support
  • Terms only available through dealers

Bottom Line

Mercedes-Benz Financial Services provides financing options for vehicles at Mercedes-Benz dealerships across the country. If you prefer the convenience of financing through your dealership, MBFS is worth considering.

Mercedes-Benz Financial Services Reviews

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Page 2 Reviews 10 - 40
Customer ServicePunctuality & SpeedStaff

Reviewed March 18, 2022

I’m sorry but Mercedes Benz Finance customer service really give Mercedes-Benz a poor poor reputation. They are ridiculous! In December I called from my hospital Rome. Requesting an extension. I had to pay $88 fee for the extension. In January I did not make a payment because they granted me an extension. When I called in February they told me it was no record of me requesting an extension and now I’m 31 days late. I have been back and forth, back and forth, back and forth with these people to the point where I had to go and pull my phone records and sent an email to prove that I was on the phone with this ** customer service for 30 minutes getting an extension.

Their supervisors are horrible. The customer service is a joke. Everybody need to be terminated from the damn place and they need to build a whole brand new Mercedes be a financial services department. This will be my last Mercedes I will never in LIFE. I will NEVER Drive a Mercedes Benz car or a truck or a boat or anything from them ever again. I will ride a bike before fooling with this ** company.

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Reviewed March 14, 2022

After speaking with representatives several times trying to have a paper title sent to New Mexico MVD to register a vehicle purchased in Arizona I attempted to find the form needed. It was only available from Mercedes-Benz Financial. Not once did any representative tell me about this form. Mercedes-Benz Financial does everything possible to make your life miserable. Loan sharks are more professional. Never use Mercedes-Benz Financial.

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Customer Service

Reviewed Feb. 15, 2022

They cashed our check to buy out our lease 3 months ago. We've called them repeatedly and keep getting apologies but no action. They even had to have someone inspect to car...for what, I don't know. We bought the car off the lease 3 months ago and still don't have a title. It's beyond ridiculous how inept Mercedes Financial is. I too, will never deal with them again. Soooo frustrating!!!

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Customer Service

Reviewed Feb. 2, 2022

My lease was up at the end of January, so I decided to buy the vehicle off the lease and transferred the buy back price to Mercedes on Jan 02 which was received by them on Jan 04. It took over 25 calls and 3 weeks to get them to release the lien on the car. They would lie to you day after day after day. I have never seen such a pathetic organization. My last three cars were from Mercedes. They will never get 1 cent from me again or from anyone I know. Sad they continue to do business in North America. They should relocate to the third world where this could be considered acceptable.

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Customer Service

Reviewed Jan. 24, 2022

In September I ordered a 2022 S580 at a cost of $138,000.00. The current car I have was a leased 2019 S560. That lease expired on January 2, 2022. So, in November I bought out the lease from Mercedes Benz. They received the bank check on December 11, 2021. My last payment was on December 2, 2021, of which they took from my account. The payoff included the last month because the payoff was prior to the due date. So, I overpaid. Over the course of the next several weeks, I called Mercedes Financial at least ten times asking about my refund and got excuse after excuse of why I have not received my refund. Then, on January 14, my new car arrives at the dealership.

Now from December 11th until January 14th, I have not received the title which I needed as I was trading the car in. The salesman tried several times to get the title with little sucess but was told the odometer statement could not be found. Now I watch the girl at my bank go through each document, stapled them together and place all documents and the check in the envelope and seal it. So, I had to email a copy of the odometer statement to the dealer which forwarded it to Mercedes. After one week of the new car being at the dealer, Mercedes Financial said they would overnight the title to my bank. That was on January 20th. I called on Monday and the bank has yet to receive the title.

On Saturday, January 22nd, which everything was worked out with the dealer to take the new car, the deal fell apart as the title for the S560 was not in my name and they could not take the car in on a trade. The sales tax I paid on buying out the old car was to be offset with the new tax on the new car but could not because of the title. So, I paid additional tax. I took the new car Saturday but could not take my old car home because I transferred the plant and canceled the insurance. So, now my 2019 S560 is sitting at the dealer, I now both cars and have to make payments, and I still don't have the title. The title could take up to 90 days to receive! This has been the most frustrating experience I have ever had, and I think Mercedes Financial should compensate me for their delays. It should not take 6 weeks to close out an account, send the title and send a refund check for an over payment.

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Customer ServiceStaff

Reviewed Jan. 21, 2022

My lease expires at the end of January 2022 and in late December 2021 I remitted the residual amount required to buy the vehicle and mailed MBFS an odometer reading form as required. Since it is nearly 30 days after the fact and I have not received the title or registration or any correspondence, I have attempted to contact MBFS by phone on numerous occasions to speak to a representative. I have been left on hold for hours and have not been successful in being able to reach anyone live. As well, I sent them a descriptive email of the situation that I am trying to solve for and received a template response. Thank you for reaching out to Mercedes-Benz Financial Services through our website.

"A Customer Service representative will be reaching out to you shortly regarding your request. If you have any questions in the meantime, please contact our Client Services department at (800) 654-6222 between the hours 8:00 a.m. to 8:00 p.m., Central time, Monday through Friday and 8:00 a.m. to 5:00 p.m., Central time on Saturday." I have purchased or leased 4 MB vehicles since 2013 and have no intention of purchasing an MB vehicles in the future given this incident. Based on my experience, I would strongly recommend anyone who is considering purchasing a MB to think twice.

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Customer ServicePunctuality & Speed

Reviewed Nov. 23, 2021

Mercedes Benz Financial Services (MBFS), the wait time is almost 2 hours every single time they are called. I purchased my vehicle 10/23/2021 over a month ago. The bank is still waiting and did not receive the TITLE and, I did still did not receive the "PAID IN FULL" letter. When I called numerous times to find out where this paperwork is so it can be changed over at Motor Vehicles, I was told the account is closed because they were paid. I'm not sure what they do there but, it's definitely not their job and they really don't care. They tell you things that just don't happen. I will never buy another Mercedes after this very frustrating experience.

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Customer ServiceStaff

Reviewed Nov. 3, 2021

In early 2021 I decided to pay off my MB E350 and received confirmation that it was paid in full. For 6 months I have been trying to get my TITLE. Each time I call I get a different story plus promises "it's in the mail". This last time MBFS said I had no account with them - of course not, I paid it off and owe nothing. I finally threatened to call my attorney (my son has his own practice) and accuse them of fraud: Holding on to TITLEs when they do not own the cars.

It was partially effective, I received a letter from MBFS stating they have no lien and no interest in my vehicle - just so I can register my vehicle and drive lawfully. I STILL HAVE NO TITLE. We own 3 MBs and used to be brand loyal. But I will not purchase another MB even though I paid cash ($64K) for one earlier this year and walked away with the TITLE. Thank God I didn't deal with MBFS.

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Verified purchase

Reviewed Sept. 27, 2021

I am having a terrible experience with MBFS after returning my vehicle. Before returning the car, there was a autovin inspection. In the inspection the inspector noted that the charging cable is missing. When I pointed him to the power outlet where the cable was, he mentioned that to return the cable when you return the car. I returned my leased car with the charging cable. But still the MBFS send me invoice charging for the cable amount of $900. When I dispute the charge, they are not able to verify that the cable was returned. I did a CARFAX search with the VIN number and saw the car was serviced for pre-delivery and called the dealership and confirmed that the cable was there in the car. But still the MBFS insist on me paying for the missing cable.

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Reviewed May 14, 2021

I bought my 2019 GLA off my lease with MBFS. I completed all the forms, sent them back, they cashed my check on 2/6/2021. It is now 5/15/2021 and NO TITLE! This after HOURS ON MULTIPLE PHONE CALLS and resubmitting forms (MBFS LOST THE FIRST SET..BUT NOT MY CHECK). Still after new forms and HOURS again which MBFS could not explain why I don't have a title. THIS THE WORST EXPERIENCE I HAVE EVER HAD WITH A BUSINESS.

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Reviewed Jan. 27, 2021

I paid for all expenses of my lease upfront. This included all payments and services. When I turned in the car (with almost 4000 miles lower than the allowed mileage), I still ended up with a $900 dollar payment for a "turn-in fee" and for a worn tire. I've only leased a car once before and didn't get raked over the coals like this. I wasn't that impressed with the car to start with (Fully loaded GLC 300) and will never lease or purchase a Mercedes in the future.

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Reviewed Jan. 2, 2021

I wish I had done my research in advance. I leased a GLA, started my lease at 7K miles and turned it in with 26K miles, WELL short of my max mileage. I was charged for new tires on the turn-in, $279 per tire. Are you kidding me? How can they sell a vehicle with tires that are worn out after 20K miles? Plus every minor scratch was charged another $250-300 EACH. This is on top of the $595 "turn-in" fee. They nickel and dime you, but in the $100s, everywhere you turn. Also, avoid the Service Package as it's also a total scam. What they don't tell you is the service package only comes with 1 service per year of your lease and costs $2K. I regret ever leasing a Mercedes and will never work with them ever again.

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Reviewed Oct. 15, 2020

So much for "the best or nothing"! I paid off my $49,000 loan in July 2020 with MBFS and still have not received my title! I keep calling and keep getting the runaround and this is not to mention having to wait on hold for 30-45 minutes which is inexcusable, they need an answering system that will take your number and call you back! The stupid woman I spoke with in customer service said that my BANK has to decide where my title is being sent to, and when I called my bank they literally laughed and said it is not up to them; it is my car that I paid off. I used MBFS previously and they acted in a professional manner; they are failing miserably now! HIRE MORE HELP WHO KNOWS WHAT THEY ARE DOING! NOT RECOMMENDED!!!

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Reviewed Aug. 24, 2020

DON'T EVER BUY AN EXTENDED WARRANTY ON A MERCEDES VEHICLE. I have been driving Mercedes cars exclusively since 1974. Since 1998 my wife have been driving 2 Mercedes exclusively. I purchased a 2013 Mercedes SL550 with only 8000 miles on it back in 2016 from Mercedes E Ca. I sold my SL550 that I purchased from Mercedes E in June.

I had several months left on my extended warranty that I paid several thousand dollars. I was entitled to a refund of $875. I canceled the policy on June 4th. When I called the dealer to check on a refund he told me the company he would take care of it - He did. (I have a copy of that transaction.) But 2 months later I have received nothing. When I called Mercedes Financial they had no record of it. They told me to call back the dealer I bought it from. I did last week and the Financial Director I dealt with is gone.

I was told by the new F.D that the company had been sold and he said he was not responsible for the refund that I had to go after the new company. I asked him for contacts of the new company so that I could pursue them to obtain my $875 refund. He said he would check for me but 2 phone calls later I never heard back from him. AS a last resort I have called Mercedes Financial 6-7 times and got nowhere. They keep transferring me back and forth to the same people accomplishing nothing but wasting many hours of my time. After driving Mercedes over 40 years I am screwed out of my $875. I unfortunately I obtained a 2020 SL450 which I JUST before they refusing to pay me my refund. THIS WILL BE THE LAST MERCEDES I WILL EVER DRIVE.___

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Reviewed July 24, 2020

We leased a vehicle from Mercedes-Benz of Massapequa. Upon returning our old lease and getting the new lease we were informed by the salesperson that fees would be waived. Weeks later after returning the vehicle we have been harassed by Mercedes-Benz Financial stating that we owe them two additional months of lease payments due to the car needing repairs and the body shop now fixing it quick enough. When I spoke with them they told me I need to fight with my insurance company to make those payments. Meanwhile they have the new car and have nothing to do with the old one anymore. Mercedes financial was not helpful. They were rude. Did not care what I was told from the sales person. I will never do business with this company again. They also do not tell you that when your lease is over and if you do not wanna lease with Mercedes again that they charge you a fee to walk away.

I have these vehicles from other dealers and never ever had such problems like I am having now with Mercedes financial. People need to be aware that Mercedes financial are not reliable. They lie and do not work with their customers. Buyers be weary of this company and be aware before you sign any documents because what is said at the dealership is not what is related to the financial department and you’ll get no support from the dealer when the financial company keeps on calling and harassing you.

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Reviewed July 23, 2020

Very unhappy with Mercedes financial practices - they stopped all lease transfers in the beginning of pandemic lockdown and have not resumed since. All other lease offering companies did. I call Mercedes several times, and they could not offer me any logical explanation for continuing this practice, which implies that Mercedes is exploiting this pandemic to further their agenda (selling more vehicles and initiating new leases). This action created enormous hardship for me - I am paying for vehicle I am not using, and also people who contacted me trying to assume the lease who need solutions to the problems created by pandemic. As a physician, it is hard to see how Mercedes can do this during the time when my colleagues and essential workers are putting their lives online to help others. By pursuing profits, Mercedes is making it at the huge expense of the leaseholders. At the time of the pandemic, it is unforgivable.

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Reviewed July 15, 2020

I have been patiently waiting for MBFS to open up lease transfers which has been on hold since the beginning of the pandemic. I have been barely scraping by saving enough to make for the payments. Most leasing companies have been processing lease transfers since April (BMW). How is such a large company not able to process such a simple request???

Their communication has been horrendous. The only thing that I was told for the past few months was to check their website weekly. Finally, I was told today that transfers were stopped indefinitely. MBFS is not willing to help any customers and their only solution is to take a payment deferral. I am stuck making an high payment on a car that is not being used. I have multiple buyers ready and willing to take over the lease but MBFS is not willing to help anyone in this situation. I will never buy a Benz again due to their terrible customer service. I guess I’ll spend my money at BMW or Audi when the time comes to buy a new car.

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Reviewed July 2, 2020

I have to say I never write reviews however my experience with Mercedes and Mercedes Benz Financial has been horrible. If I could rate them with a zero I would. They claim that customer loyalty is their priority but that is not at all what I have received for being a loyal customer for over 10 years. I leased a Mercedes for 2 years while I was trying to determine my next vehicle purchase. At the end of the lease, two years with less than 15,000 miles on the car, I was sent an invoice to replace the tires ($1500), for scratches and dings ($1,000), for a disposition fee of $595. Outrageous.

I replaced the tires of which should never of had to been replaced on a two year vehicle which was driven less than 15,000 miles in two years. I was told that they would not waive the disposition fee because I wanted to pay cash for my next vehicle. Very disconcerting. I was also told that they would not consider waiving any fees even though I returned the vehicle with more than 10,000 miles under what I had purchased in the lease. The customer service agents lack any empathy even during a pandemic. I asked if they would work with me on what was owed and they said no. Customer loyalty? Caring for your customer? Sorry Mercedes and Mercedes Financial you have lost a family of loyal customers!

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Reviewed June 29, 2020

Hi. I paid of for my Mercedes CLA 250 in 3/5/2020 and can not get my title in 4 month. They don't send to DMV or to me the actual title which would help me to get the title on my name. I called them a lot of time, and each time got answer that they will call DMV or they will solve the problem soon but, with no success. It is worst service I have ever had. I actually, hopeless, don't know what to do to get the title.

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Reviewed June 15, 2020

Horrible experience with Mercedes Benz Financial. They don't give a damn about their clients, reputation or brand, no empathy or flexibility during these Pandemic tough times. It is during these tough times when you know what brands stand for. Mercedes has been loud and clear, that they only care about themselves, not their clients, their community or their employees. They refuse to work with you. I will never be driving a Mercedes ever. American cars for me from now on. I have a Ford, it is a better car and an amazing company to work with.

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Reviewed March 10, 2020

Updated on 04/21/2020: As you may recall, I posted in March concerning this same issue which has escalated. MBFS deserves a negative gazillion stars for their treatment toward me. Recall I stated they have double charged me, I refuse to pay what I don't owe, and they now have reported this false information to the CB which I have to dispute amid this global crisis. I have contacted them numerous times via one of the same methods through which they contact me concerning this, and also stated my expectation of their cooperation amid COVID-19 as I am in both a globally-identified hotspot state and neighborhood. They are trying to force me to pay what I don't owe, and now any payment made will be applied as the payment I don't owe.

Recall they kept holding my mail-in payments until after the due date to assign me late and other fees - pretending they did not receive it but it "miraculously" appears when I inquire about their fraudulent acts. Now they have disabled online payments, so even if I wanted to make a payment, I can not. Mailing in is not an option for the aforementioned reasons. There is so much more, but I am honestly exhausted writing about this injustice. They have received my email communications as acknowledged by the response I received yesterday which addressed no issue. The FTC has informed me they are in violation, and most likely are already aware of this. They just figure I don't know. MBFS you are wrong. You can not double charge me, and become indignant because I will not pay the fraudulent charge. Customers keep you in business. Remember that.

Original Review: Though they thought the 'It's the best or nothing' motto, this company leaves everything to be desired in its billing and treatment of customers. The company uses fraudulent tactics to steal funds. The most recent incident of which I speak is for a payment I send via USPS that MBFS alsely stated they had not received (I know this because they have done this previously).

Their scam is they receive your payment, but instead of posting it upon receipt (which is always on time and never late in my case), they hold it until you pass a timeframe wherein they may assess you late fees and other charges. I have 0 voicemails, emails, faxes, texts, or any communication indicating their supposed attempt to initiate a lost payment query, which I requested along with providing all pertinent documentation needed for an expedient resolve.

Of course I knew they had received the payment already and were fraudulently failing to post it, because miraculously when I was forced to call them because of their antics, the payment posted right after. Interestingly, another part of their scam is to try to charge me twice for the same payment. A so-called supervisor even tried to appeal to my desire to maintain my current credit rating by threatening credit bureau reporting if I did not comply with his fraudulent and unethical insistance that I pay twice for the same month's payment.

This is absolutely absurd, and of course I did not and shall not pay this or any other company twice as part of their double-billing scheme. All they care about is the bottom-line, not customers or customer loyalty. I will not be bullied into paying anything twice. Another rationale for pretending non-receipt of mailed payments is to gain access to my financial card and/or account to extract funds at will (something they have attempted to do throughout the duration of our business relationship). In addition, when they owe you money, they hold it hostage so to speak, but expect payment timeliness from customers always (which I do). A recognized brand name does not equal good and/or ethical business practices.

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Reviewed Feb. 28, 2020

Absolute ** over a measly $2000 at the end of the lease for the balloon figure payout. My mother passed away and the lease ended and I had to find $4000.00. I tried to sell it. In no way did they mention that if this contines to drag would they charge interest. Tried to talk about the estate and my commitments on my end and all they cared about was what they tried to do. It's a shame such a reputable company has to resort to these low tactics of the small print in these sad circumstances.

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Reviewed Dec. 1, 2019

I leased a 2017 Mercedes GLE. I truly do not understand the penalty attached to the lease end that can only be forgiven IF you lease buy another Mercedes car. Due to personal issues My time is very limited since I Am my husband care giver. 1- I tried getting detailed information regarding the SUVs on their inventory from two dealers. The San Luis Obispo dealer and the San Francisco dealer.

2- The information regarding the SUV is very important, reason my husband inability to ride in a car with a high step. I needed the measurements from floor to the lower seating adjustment. To make my life more complicated, I am under 4’ 11”. Thus I need the height to accommodate both handicaps. 3- No information was provided, by any salesperson, additionally, I was requested forced again and again that to visit the dealers to see the cars that were available. 4- I am learning something new everyday, the Mercedes requirement is a lesson since before my husband stroke he was in charge of the business.

The SUV I returned had 6,000 miles less than the lease requirements. My payments were made on time without any delays. I have fantastic credit, how can I not be responsible for Mercedes greedy practice. I will NOT buy another Mercedes even though I have driven Mercedes since I was 25. This is my first leased car. I truly believe that Mercedes should be accused of the worst company. If anyone can help me It would be greatly appreciated. I am planning to contact AARP. Anyone else I can contact?

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Reviewed Nov. 6, 2019

Horrible experience with Mercedes Benz Financial. They don’t give you any slack when it comes to making payments. They refuse to work with you. Will never finance a Mercedes with them. Will bring my own pre-approve auto loan or will go through my bank.

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Reviewed Oct. 22, 2019

My Mercedes Benz lease car was due for return after 3 years and they sent out their "independent" inspector to pre-inspect my car before return. The car had been treated with white gloves and was as good as the day it was originally driven out the showroom. My lease payments record had been impeccable and I was looking forward to smooth return of the car with no hidden fees.

Whilst the interior, wheels and bodywork passed the pre-inspection, it was highlighted there was a small chip in the windshield and consequently I had to replace the windshield at a cost to me of nearly $600. I tried reasoning with MBFS customer services, could I repair the chip as opposed to replacing the whole windshield? NO...NO...NO. Nothing was acceptable other than full replacement. The chip had "legs" according to MBFS and the only acceptable fix was total replacement.

The guys came out to replace the full windshield, I was explaining what had gone on and in the glass fitters opinion a simple repair could have been undertaken easily. To prove there was no risk the chip would deteriorate further the guy hit the chip with a hammer 3 times, have a guess what, the chip remained exactly as it was. A chip repair would have cost $130. Nevertheless, MBSF refuse to entertain any repair and the full screen was replaced. I contacted MBFS again to explain what had gone on and see if they would meet me half-way financially and waive some of their redemption fee. It was explained to me if I took out a new Mercedes all fees would be waived, if not, then they were not prepared to compromise any way shape or form.

The moral of the story is this, MBSF provide themselves on excellent customer service and whilst you are paying your lease on time, this feels like the case. However, once your lease is up wow betide you have anything wrong on your car, they are going to screw you for anything and everything they can. Logic, common sense and decency goes out the window on their part, their processes and procedures are all slanted in their favor and you their loyal customer are treated like dirt. They are out to screw you over and no amount of discussion will persuade them from that path. Based on my personal experience, I would never buy their product or utilize MBFS again.

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Reviewed Oct. 1, 2019

I bought a MB CLA 250 with a MB loan at 1.99%. I left them a trade-in plus $5000 down. Planning to pay off the balance before the first payment. So I asked for an address and they told me interest had already accrued from day one. Is this users? I can pay off my home mortgage with less hassle and reduced interest.

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Reviewed Aug. 14, 2019

I leased a new Mercedes Benz through Mercedes Benz Finance. I set up auto pay to be sure the payment was never late. I paid on time for 24 months. The term was 24 months. The vehicle was a gift for my aunt, at the lease end she turned it in. I wasn't aware of the lease turn in fee or property tax. Three months later I receive an alert from privacy guard saying I have a charge off for this lease. I contacted Mercedes to ask why wasn't I notified, and why didn't you charge the account you charged the previous 24 months. The answer was, "we sent a letter," the letter was to a previous address. I asked them if the letter was returned to sender, they said, "yes." The answer to why they didn't charge my account that was set up on auto pay was, they can't for the turn in fee or tax.

Now after paying 24 months on time my credit score dropped 150 points. It should be illegal for companies to report you as a charge off if they don't have confirmation you received an invoice as well as the mail was returned to them. I paid the invoice to the collections company, I was told Mercedes would still report as paid settlement. Not paid as agreed. A gift for my aunt turned into bad credit. It doesn't seem fair.

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Reviewed July 26, 2019

It may not be relevant as I am from the UK, but my feelings appear to be similar to others. I leased a car for 3 years and as I own a garage. My staff did servicing using genuine parts. I had hoped to buy at least but this was not possible, so everything was top notch. The car was inspected with surgical precision. Nothing was left to chance. All was reported as good with no penalty charge. Then a bill arrived from MB "incomplete service history" £800. Awful end to an otherwise favourable experience.

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Reviewed July 24, 2019

Very greedy, they want your money, not reliable always issues, very expensive. You get a lot more for your money getting Lexus, even BMW is better. It is a mistake to go that route. The very odd thing is they will lease you a car in 5 minutes but to get a lease transfer will take 6 weeks, very dishonest, rip off.

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Reviewed July 22, 2019

My application with Mercedes-Benz Financial was an easy process; I was quickly approved and this is my second time in contract with them. I did not encounter any issues and their communications by email are excellent.

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Mercedes-Benz Financial Services Company Information

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Mercedes Benz