Luxury doesn't have to mean complicated financing.
At Mercedes-Benz of Tri-Cities in Kennewick, our finance team works with a variety of lenders to help you find financing or leasing options that fit your vehicle, budget and plans. Whether you're shopping for a new Mercedes-Benz, a Certified Pre-Owned model or a pre-owned vehicle from another manufacturer, we'll help you understand your options before you drive away.
Rates and offers updated October 2026.
Auto loan rates aren't set directly by the Federal Reserve. Lenders set their rates based on their own costs, the vehicle you're financing, the loan term and your credit profile.
Automakers can also offer promotional APRs or lease programs on select new vehicles. That's why a Mercedes-Benz financing or lease offer can look very different from the average rate on a traditional auto loan.
The important part? Don't assume the advertised average rate is the rate you'll receive. Your actual options depend on your credit, vehicle, term and the programs available at the time you shop.
On September 16, 2026, the Federal Reserve raised its benchmark rate a quarter point to 3.75% to 4.00%. It was the first increase in about three years.
A move like that can influence what lenders charge for auto loans, but rates don't all move at the same time or by the same amount. Your individual credit, the vehicle you're buying and the loan term you choose can all affect the rate you receive.
That's why it's worth comparing your actual financing options instead of assuming today's average rate is the rate you'll get.
In Q2 2026, the average APR was 6.35% for new vehicles and 11.19% for used vehicles, according to Experian.
Your credit profile can make a big difference:
Source: Experian State of the Automotive Finance Market, Q2 2026.
Mercedes-Benz may offer promotional APRs, lease programs or other incentives on select new models when available. These offers can be below broader industry averages, but eligibility and terms vary.
We don't believe financing should feel like a separate part of buying a vehicle.
Our finance team works with a variety of lenders to help you find options that fit your situation. We'll help you understand the APR, loan term, monthly payment and total cost so you know what you're agreeing to.
Already have financing through your bank or credit union?
Bring it in.
We'll work with your outside financing, too.
Our current finance center offers online financing tools, payment calculations and a finance application so you can get started before visiting the dealership.
Whether you're looking at a C-Class, E-Class, GLC, GLE, GLS, EQ model or another Mercedes-Benz, the right financing option depends on more than the monthly payment.
We'll help you compare the vehicle price, amount financed, APR, loan term and total cost.
Mercedes-Benz of Tri-Cities also offers new Mercedes-Benz inventory along with Certified Pre-Owned and pre-owned vehicles.
Shop New Mercedes-Benz Inventory →
McCurley Used. Pre-owned vehicles of every make, including cars, trucks and SUVs.
Shop Used Inventory →
McCurley Certified. Newer, lower-mileage vehicles that meet our certification standards. The vehicle's age, mileage and condition determine which vehicles qualify.
Mercedes Certified Pre-Owned. Select newer Mercedes vehicles that meet Mercedes' certification requirements and include the benefits and coverage associated with Mercedes CPO program. Special financing may be available on select models when offered.
Mercedes-Benz periodically offers special financing rates, lease programs and other incentives on select models.
Offers can change by model, trim, term, location and eligibility requirements.
When you're shopping for a Mercedes-Benz, you may have two very different paths: finance it or lease it.
Financing may make sense if you plan to keep your Mercedes-Benz for several years and want to build equity in the vehicle.
As you make payments, you're working toward owning the vehicle outright.
Leasing may be a good fit if you like driving a newer vehicle and prefer changing vehicles every few years.
Your lease typically has mileage and other contract requirements, so it's important to understand the terms before you sign. Our finance department specifically offers guidance on whether buying or leasing makes more sense for your lifestyle.
A longer loan term can lower your monthly payment, but it usually means paying more interest over the life of the loan.
Look at the total, not just the monthly number.
Low APR or Other Incentive?
Sometimes a vehicle offer gives you a choice between a low APR and another incentive.
A low APR can reduce the amount of interest you pay. Another incentive may reduce the amount you're financing.
Instead of choosing based on the biggest advertised number, compare the total cost over the life of the loan.
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Start your finance application online before you visit the dealership.
You don't have to have every detail figured out before you apply.
Our finance team works with a variety of lenders to help find financing or leasing options that fit your situation.
We'll walk you through the available options so you understand the rate, term, monthly payment and total cost before you choose.
Already have financing through your bank or credit union?
Bring your pre-approval with you and we'll help you compare.
Mercedes-Benz of Tri-Cities
6901 West Clearwater Avenue
Kennewick, WA 99336
Sales: 509-736-1600
Sales Hours:
Monday-Saturday: 8 a.m. to 7 p.m.
Sunday: 10 a.m. to 6 p.m.
Serving Kennewick, Richland, Pasco, West Richland and the greater Tri-Cities, along with drivers from surrounding communities in Washington and Oregon.
There isn't one specific credit score required to finance a Mercedes-Benz. Lenders consider your credit history, income, existing debt, vehicle and other factors when reviewing your application.
Credit challenges don't automatically mean you can't finance a vehicle. Mercedes-Benz of Tri-Cities works with a variety of lenders and can help you understand the options available based on your individual situation.
It depends on how you plan to use the vehicle. Financing may make more sense if you plan to keep your Mercedes-Benz for several years, while leasing may be a good fit if you like driving a newer vehicle and changing vehicles every few years.
Mercedes-Benz may offer special APRs, lease programs and other incentives on select models. Offers vary by model, term and eligibility, so check our current Mercedes-Benz specials for the latest programs.
Yes. Mercedes-Benz of Tri-Cities offers Certified Pre-Owned Mercedes-Benz vehicles, and available financing programs vary by vehicle and current lender offers.
Yes. Mercedes-Benz of Tri-Cities offers pre-owned vehicles from a variety of manufacturers. You can work with our finance team whether you're purchasing a Mercedes-Benz or another make.
Yes. If you've already been pre-approved through your bank or credit union, bring your financing information with you. Our finance team can help you compare your outside financing with available dealership options.
Yes. If you've already been pre-approved through your bank or credit union, bring your financing information with you. Our team can also help you compare your outside financing with the options available through the dealership.
A lender may perform a credit inquiry when you apply for financing. When multiple lenders review an auto-loan application within a short period, credit-scoring models may generally group certain auto-loan inquiries together. Your individual credit situation can vary.
The timing can vary depending on the lender and your application. Once your application is submitted, our finance team works with the appropriate lenders and will help you understand the financing options available to you.
A co-signer may be an option depending on the lender and your individual application. A qualified co-signer can sometimes help an applicant qualify for financing or potentially improve the terms offered.
