Mercedes-Benz of Laguna Niguel Finance Center

Welcome to the Finance Center at Mercedes-Benz of Laguna Niguel. Our team is here to help you explore flexible lease and finance options tailored to your goals, whether you are interested in a new Mercedes-Benz or a high-quality pre-owned model. Start from home with our secure online tools, then finalize in-store with guidance from our specialists.

Located at 1 Star Dr., Laguna Niguel, CA 92677. Sales: (949) 347-3700.

Financing Options Designed for You

• Lease: Enjoy a new Mercedes-Benz more frequently with mileage options that fit your driving habits. At lease-end, return, purchase, or explore your next vehicle.
• Traditional Financing: Own your vehicle with competitive terms and the ability to customize and drive without mileage limits.
• Balloon Financing: Structured payments with a larger final payment, ideal for drivers who prefer lower monthly payments and plan to trade, sell, or refinance later.
• First-Time Buyers & Recent Graduates: Ask our team about pathways designed to help you begin your Mercedes-Benz journey.
• Electric & Plug-In Hybrid: We can help you explore programs and incentives that may apply to select electrified models.

Have questions about which option fits you best? Call (949) 347-3700 or start your application online.

Our Finance Products

Prepaid Maintenance Plans

Our Prepaid Maintenance plans let you lock in service costs now to protect…

Learn More

GAP Insurance

Guaranteed Asset Protection, commonly called GAP, is designed to help bridge the difference…

Learn More

Extended Limited Warranty

We understand that peace of mind extends well beyond your first mile. The Mercedes-Benz Extended Limited…

Learn More

Certified Extended Warranty

The Extended Limited Warranty is designed to continue protection where your original warranty ends…

Learn More

First Class Lease Protection

We want to make your lease experience simple and predictable. With our First Class Lease Protection…

Learn More

PermaPlate Appearance Protection

We offer PermaPlate Appearance Protection as an add‑on to help preserve the luxury, finish…

Learn More

Paintless Dent Repair

Protect your Mercedes-Benz from unsightly door dings and minor dents with our Paintless Dent Repair…

Learn More

Windshield Protection

Maintain clear visibility and protect your investment with Windshield Protection…

Learn More

Key Replacement

Losing or damaging your Mercedes-Benz key fob can be stressful, but with Key Replacement…

Learn More

Wheel & Tire Protection

Protect your Mercedes-Benz from unexpected road hazards with Wheel & Tire Protection…

Learn More

First Class Term Protection

Mercedes-Benz First Class Term Protection offers coverage where you need it most…

Learn More

Theft Protection

Our program combines advanced theft deterrent systems with financial protection…

Learn More

Lease Wear & Tear Protection

We know that everyday driving can lead to small imperfections. Our Lease Wear & Tear Protection…

Learn More

Helpful Online Tools

• Secure Credit Application for pre-qualification.
• Trade-In Estimator to understand your vehicle’s equity.
• Browse New Vehicles to compare trims, colors, and features.
• Browse Pre-Owned Vehicles for a wide selection across many model lines.

Why Finance with Mercedes-Benz of Laguna Niguel?

• Personalized guidance from experienced finance specialists.
• Clear, transparent options tailored to your preferences.
• Seamless online-to-showroom experience with secure digital paperwork.
• Convenient South Orange County location with premium dealership amenities.

What to Bring

• Valid driver’s license and current insurance card.
• Proof of income and residence.
• Trade-in title or payoff information (if applicable) and both keys.
• Any additional documents requested by your finance specialist.

Serving Laguna Niguel and Beyond

We proudly assist clients from Laguna Niguel, Dana Point, San Clemente, San Juan Capistrano, Ladera Ranch, Laguna Hills, Laguna Woods, Aliso Viejo, Lake Elsinore, and surrounding neighborhoods including Monarch Beach, Dana Bluffs, Laguna Woods Village, Nellie Gail Ranch, Kite Hill, Crown Valley, and Terramor Village.

Finance FAQs

How do I apply for financing?

Use our secure online application. A finance specialist will follow up to review your options.

Can I trade in a vehicle I still owe money on?

Yes. Our team can review your payoff information and help you understand equity and payoff scenarios. Start with Value Your Trade.

What affects my approved terms?

Credit history, income, debt-to-income ratio, down payment, and vehicle selection typically influence available terms.

Is leasing or financing better for me?

It depends on your driving habits and ownership preferences. We’ll outline both paths so you can choose the structure that fits your needs.

Can I apply jointly?

Yes. Co-applicants are welcome; this can help combine income for qualifying purposes.

Contact the Finance Center

Ready to take the next step? Call our Finance Center at (949) 347-3700, apply for financing online, or value your trade today.