The First Class Finance

Purchasing your Mercedes-Benz could be one of the wisest business decisions you can make.

Learn more about the First Class Lease

The First Class Lease also allows you to set the terms. Customize your lease anywhere from 24 to 60 months.
Click here to read The First Class Finance FAQs.

Benefits of Retail Financing

Allow Mercedes-Benz Financial Services to customize a financing plan that works for you. With First Class Financing there’s an option to suit every lifestyle.

  • Choose from a wide range of financing terms from 12 to 72 months.
  • You are building equity toward ownership.
  • You can sell your Mercedes-Benz at any time, on your own terms.
  • When you buy, the required insurance limits for liability and property damage are usually lower than when you lease.
  • You can modify your car any way you like with non-factory accessories. Modifying a leased car is not permitted, unless they are retailer-installed, factory-approved options.

First Class Lease FAQs


Q: What kind of insurance is required?
A: Your Mercedes-Benz Financial First Class Financing agreement requires you to obtain and maintain comprehensive and collision insurance on your vehicle.

Q: Where should insurance information be sent?
A: Ask your insurance agent to send policies, renewals, carrier changes or cancellations to: Mercedes-Benz Financial Insurance Services Department P.O. Box 1800 Roanoke, TX 76262-1800. Cancellation notices must be received within 30 days of the effective date.

Q: How much insurance is required?
A: The maximum standard deductible permitted is governed by the state in which the contract was executed. Mercedes-Benz Financial should be listed as the loss payee on all policies.

Q: What should I do if my car is stolen or involved in an accident?
A: Always notify your insurance agent and the Support Services Department Monday – Friday between 9 a.m. and 6 p.m. ET at 1-866-321-8351. Because “DCFS USA LLC” is listed as the loss payee, insurance checks for repairs should be issued jointly to “DCFS USA LLC” and you. To speed up the release of your vehicle from the body shop, promptly send joint-payee checks, before you endorse them, to the address below. Insurance checks over certain amounts may require the physical inspection of repairs before Mercedes-Benz Financial can endorse the check. Please enclose the name and telephone number of the body shop and note your account number on the check. Send to: Mercedes-Benz Financial Insurance Specialist P.O. Box 685 Roanoke, TX 76262-0685

Q: What if I change insurance companies?
A: If you’re renewing, canceling or changing carriers, have your agent send a copy of your new policy or binder to Mercedes-Benz Financial immediately at the address below. Include a copy of your current policy as a reference. “DCFS USA LLC” must still be listed as the “loss payee.” Cancellation notices must be received by Mercedes-Benz Financial within 30 days of the effective date. Send to: Mercedes-Benz Financial Insurance Services Department P.O. Box 1800 Roanoke, TX 76262-1800
Vehicle Care

Q: What is the recommended maintenance?
A: We recommend that you follow the maintenance schedule outlined in your Owner’s Manual. An authorized Mercedes-Benz Dealer should do all service and repairs. To find a Mercedes-Benz Dealer near you, call 1-800-FOR MERCEDES (1-800-367-6372) or visit

Q: When do my financial obligations with Mercedes-Benz Financial end?
A: Your financial obligation ends with your last payment providing no other charges are outstanding. You may also pay off the remaining balance of your loan at any time before the last payment is due.

Q: How can I determine my payoff amount?
A: You can also use this web site to access your Account Information or call our 24-hour Automated Payoff Quote and Account Information Line at 1-800-654-6222. You can also contact your local Mercedes-Benz Dealer for details. If you are currently using the Auto Pay program to make monthly payments, please request cancellation of Auto Pay at least 10 days prior to paying off or trading in your vehicle to ensure that the funds are not debited in error.

Q: Where should I send my payoff amount?
A: For the fastest processing, please send a Cashier’s Check to: MB Payoff Standard Mailing Address: Mercedes-Benz Financial P.O. Box 9001886 Louisville, KY 40290-1886 MB Payoff Overnight Mailing Address: Mercedes-Benz Financial 6716 Grade Lane Building 9, Suite 910 Attn: P.O. Box 9001886 Louisville, KY 40213. Please include instructions as to where to send the title.

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