Finance & Insurance


About Mercedes-Benz Finance:

Mercedes-Benz Finance is the finance and leasing company of Daimler Financial Services AG in the UK. Their aim is to enable as many people as possible to enjoy the experience of driving one of the world’s most prestigious and best loved brands. They offer a full range of innovative finance and leasing products engineered to get you behind the wheel of your dream vehicle.

Personal Contract Plan

What is AGILITY? (Personal Contract Plan)

A flexible method of financing a van over a fixed term. The agreement defers your decision of whether you purchase, hand back or part-exchange your vehicle until the end of your agreement.

How Agility works

At the start of an Agility agreement, you decide an amount you would like to put down as a deposit and decide the term of your agreement as well as your annual mileage. Your Finance Specialist will advise you of the Optional Purchase Payment of your chosen Mercedes-Benz Van, which offers you the reassurance of knowing exactly what you will need to pay to own the vehicle outright in the future (this is also known as the Optional Final Payment).

The Optional Purchase Payment helps you guard against the risk of unplanned depreciation and enables you to benefit from lower monthly payments as you are only financing a proportion of the vehicles value.

Throughout your agreement you simply pay your agreed monthly payments.

Agility features include:

  • Fixed regular payments mean you can easily budget.
  • Payments are based only on a proportion of the van’s value, keeping your monthly payments lower.
  • Our Optional Purchase Payment avoids the risk of unplanned depreciation of your vehicle.
  • Payments include the cost of the Road Fund Licence.
  • Rentals are based on your annual mileage agreed at the start of your agreement.
  • You defer your ownership decision until the end of the agreement.
  • The vehicle is an asset on the balance sheet, therefore tax allowances may be deducted from taxable profits.

At the end of your agreement

  • Purchase your van, Purchase your Mercedes-Benz by paying the Optional Purchase Payment and Purchase Activation Fee. This will complete the purchase of your Mercedes-Benz, leaving you free to simply enjoy your vehicle.
  • Hand back your vehicle, If you decide to return your vehicle to us, it must be in line with our Vehicle Return Standards, as vehicle condition, excess mileage and other charges may be payable.
  • Part-Exchange for a new vehicle, Pay the Optional Final Payment and Option to Purchase Fee. This will complete the purchase of your vehicle, allowing you to part-exchange for a new Mercedes-Benz.
Hire Purchase

What is Hire Purchase?

A straightforward route to ownership. This is the perfect way to buy a Mercedes-Benz if you want to work your way up to full ownership, spreading the overall cost over a fixed term.

How Hire Purchase works

Decide the amount you would like to put down as a deposit on your chosen van and confirm the term of your agreement. Throughout the agreement you pay the regular instalments over the agreed term until the remainder of its value is repaid.

Hire Purchase features include:

  • On completion of the agreement you will own the vehicle.
  • Fixed regular payments means you can easily budget.
  • A flexible deposit and repayment term means you can tailor the financial agreement to suit you.
  • Monthly payments are not based on annual mileage.
  • The vehicle is an asset on the balance sheet, therefore tax allowances may be deducted from taxable profits.

At the end of your agreement

You will own the vehicle outright, once your final payment is made as well as the Option to Purchase fee.
Operating Lease

What is Operating Lease?

Is a solution for those who want to drive one of our vehicles over a fixed term, with lower monthly rentals and without the worries or commitment of ownership.

How Operating Lease Works

At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which avoids a large initial expense and keeps monthly payments lower.

Operating Lease features include:

  • Pay an advance rental upfront.
  • Fixed regular payments means you can easily budget.
  • Rentals are based on your annual mileage agreed at the start of your agreement and only on a proportion of the vehicle’s value, keeping your monthly payments lower.
  • Rentals are allowable against taxable profits (proportionally).
  • VAT is reclaimable depending on usage (proportionally).

At the end of your agreement

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicles Return Standards as vehicle condition, excess mileage and other charges may be payable.

Contract Hire

What is Contract Hire?

Contract Hire gives you the ability to enjoy driving a Mercedes-Benz without having to take on full ownership. With this option you lease your vehicle for a fixed period and for a fixed monthly rental. This rental includes the cost of your vehicles Road Fund Licence for the duration of your agreement.

How Contract Hire Works

At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which avoids a large initial expense and keeps monthly payments lower.

With a Contract Hire agreement, you can choose from our ‘No Maintenance’, ‘Service Only’, ‘Full Maintenance’ or ‘Full Maintenance with Tyres’ options. This means the costs are fixed over the term of the agreement allowing you to easily manage your budget and reduce any unexpected costs.

Contract Hire features include:

  • No need for a large initial deposit.
  • Pay an advance rental upfront.
  • Fixed regular monthly rentals (that include VAT) means you can easily budget.
  • Payments include the cost of the Road Fund Licence.
  • Rentals are based on your annual mileage agreed at the start of your agreement.
  • We manage the vehicle taxation process on your behalf, as well as sending MOT reminders.
  • We will also administer any speeding and parking fines when necessary.
  • Please note there is administration charge of £25 per fine.
  • Repair and Maintenance options are also available.
  • Rentals are allowable against taxable profits (proportionally).
  • VAT is reclaimable depending on usage (proportionally).

At the end of your agreement

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicles Return Standards as vehicle condition, excess mileage and other charges may be payable.

Finance Lease

What is Finance Lease?

Finance Lease allows your vehicle to appear as an asset on your balance sheet, without the option of ownership as you hire a vehicle for a fixed period.

How Finance Lease Works

At the start of your agreement you decide on the length of your agreement and pay an agreed number of advanced rentals up front. These rentals are based on the vehicles value over the term of your agreement.

Alternatively you could opt for a lump sum payment. This option features a large payment that is due at the end of the agreement. This will reduce your regular payments. Then throughout your agreement you make regular instalments until your agreement comes to an end.

Finance Lease features include:

  • Fixed regular payments enable you to easily budget.
  • The vehicle is an asset on the balance sheet, therefore tax allowances may be deducted from taxable profits.
  • Payments are not based on annual mileage.

At the end of your agreement

  • Extend your agreement, Continue to use the vehicle for a further agreed period and pay a ‘peppercorn’ payment equal to one month’s rental per annum.
  • Sell your vehicle to an independent third party, We will invoice the third party and return 95% of the sales proceeds to you.
  • Return the vehicle and we will sell it on your behalf, We will sell the vehicle on your behalf and will return 95% of the proceeds to you (minus any reseller fees).

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