If you are deciding between leasing and financing your next Mercedes-Benz, this guide explains how each option works, what the monthly payment typically includes, and who each path is best for. Our team at Mercedes-Benz of Laguna Niguel can help you choose the path that fits your driving habits and budget.
Browse new Mercedes-Benz vehicles or view our special offers. For personalized assistance, call our Sales Team at (949) 347-3700.
| Category | Leasing | Financing |
|---|---|---|
| Monthly Payment | Generally lower because you pay for estimated depreciation and fees over the lease term | Generally higher because you finance the full purchase price, taxes, and fees |
| Ownership | No ownership during the term | Ownership at the end of the loan once paid in full |
| Mileage | Annual mileage allowance with options to customize up front | No set mileage limits |
| Wear and Tear | Vehicle should be returned in acceptable condition based on lease guidelines | No lease wear assessment, normal maintenance still applies |
| Flexibility at Term End | Return, purchase, or explore a new Mercedes-Benz | Keep, trade, or sell your vehicle |
| Customization | Limited by lease return standards | Free to customize and accessorize |
| Equity Potential | Not typical during the lease term | Possible equity as the loan is paid down |
| Warranty Alignment | Many leases align with the new vehicle limited warranty period | Loan terms may extend beyond the new vehicle limited warranty period |
With a lease, you pay for the portion of the vehicle you use for a set term and mileage. Many guests choose leasing to enjoy the latest technology and a new Mercedes-Benz more frequently with a payment that is typically lower than traditional financing for the same vehicle.
Explore new inventory and see current lease opportunities, or call (949) 347-3700.
With traditional financing, you borrow funds to purchase the vehicle and build equity as you make payments. You may drive without mileage limits and keep the vehicle for as long as you like after the loan is paid.
For tailored payment options, call (949) 347-3700.
Leasing may fit if you enjoy driving a new vehicle every few years, prefer a payment that is typically lower than financing for the same model, and drive a predictable number of miles each year. Financing may fit if you want unlimited miles, plan to keep your Mercedes-Benz long term, or prefer to build ownership over time.
Our team can compare side-by-side payments, mileage plans, and estimated costs over time to help you decide.
View our special offers or call (949) 347-3700 for guidance.
Lease payments are often lower than comparable finance payments because you are paying for projected depreciation during the term. Actual payment amounts vary by model, term, credit profile, taxes, and fees.
Modifications should be reversible and within lease return guidelines. Ask our team before installing accessories.
Excess mileage charges may apply. If you drive more than average, we can help you select an appropriate mileage plan up front.
Amounts due at signing typically include the first month’s payment, upfront taxes and fees, and any capitalized cost reduction. Exact figures depend on your agreement.
Early termination options are available in certain situations. Our team can review choices based on your agreement.
Visit us at 1 Star Dr. Laguna Niguel, CA 92677. We serve guests throughout Laguna Niguel, Aliso Viejo, Dana Point, San Clemente, Lake Elsinore, and Ladera Ranch.
For service support, schedule service, schedule your car wash, view our service specials, or call our Service Team at (949) 347-3860.
