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Mazda Financial Services allows its customers to make their payments online, via telephone, or through the mail. Unfortunately, there is no information on the carmaker's website saying that credit card payments are allowed.
If you are twisting yourself in knots trying to figure out how to make your Mazda car payments, twist no more—you can easily pay your bill online, through the mail, or over the phone. If you don’t currently own a Mazda but are thinking about leasing one or taking out a
car loan
on a Mazda, our handy table below will help you estimate the average monthly cost for one of the Japanese automaker’s most popular models.How to pay your Mazda car bill
Unfortunately, nothing worth having is free—including that nimble Mazda sitting in your driveway. If you’ve leased or financed a Mazda, you’ll have to fork over some cold, hard cash every month. But Mazda keeps things simple, so doing so is easy—pay online, by phone, or by mail.
Online
To pay your Mazda bill online, you’ll first have to sign up for an
MFS Account
. Once you do that, you’ll be able to automatically schedule recurring payments or make a one-time payment. When signing up for an MFS Account, add your bank account number and bank routing number to your MFS account under the settings tab. Using your MFS Account to make your Mazda payments is free.
By phone
Call 806-693-2332 to make an agent-assisted payment, where an agent will guide you over the phone to use your checking or saving account to make your payment.
By mail
You can use snail mail to make your payment as well. Be sure to make your check payable to Mazda Financial Services, and mail the check and payment stub from your monthly bill to one of the two following addresses:
Payment type | Mailing address |
|---|---|
Regular Mail | Mazda Financial Services P.O. Box 74689 Chicago, IL 60675-4689 |
Overnight certified funds: | Mazda Financial Services 6900 Main Street, Suite 200 Amherst, NY 14221 |
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Unfortunately, there is no information on the Mazda Financial Services website indicating the ability to pay your bill in person with either cash or a credit card (using a third party service such as Western Union or MoneyGram).
Can I make my Mazda payments with a credit card?
Unfortunately, no. You can only pay your Mazda bill online, by mail, or by phone through your bank account.
Is there a grace period for Mazda car payments?
Unfortunately, there is no grace period for missing a Mazda car payment, according to the Mazda Financial Services website. In fact, as a credit reporter, MFS is required to accurately report its customers’ payment history to the Credit Reporting Agencies. This means if you miss even one payment, your credit rating could take a hit.
How much are Mazda payments?
Mazda vehicles are considered some of the most reliable and affordable vehicles, so you’ll likely find you owe lower-than-average monthly payments if leasing or buying a Mazda. Starting prices for new Mazdas range from $22,225 for a
Mazda CX-30
to $40,025 for a Mazda CX-9
. Check out the table below to get an idea of what your average loan payment might look like for one of Mazda’s best-selling vehicles. The below figures are based on several factors—the base trim price, a 10% down payment, a 72 month loan term, and an estimated interest rate of 4.90% (the average rate for new vehicle buyers with a credit score of between 640 and 780). But remember, your actual loan payment will depend on many factors, most importantly your credit rating.
Model | MSRP range | Average monthly payment |
|---|---|---|
2023 Mazda CX-5 | $27,975 - $40,925 | $404 |
2023 Mazda CX-30 | $24,225 - $36,675 | $350 |
2023 Mazda 3 | $23,615 - $35,065 | $341 |
2023 Mazda CX-9 | $40,025 - $49,735 | $578 |
2023 Mazda MX-5 Miata | $29,115 - $40,610 | $421 |
Again, the above figures are estimates—you’ll likely pay a different amount based on the purchase price of your Mazda, how much of a down payment you can afford, your credit score, any trade-ins, your loan term, and any special incentives. For instance, you’ll pay a lower monthly fee if you have a shorter loan term, but if you take out a loan on a used car, it will likely come with a higher APR than a new Mazda would.
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What is the lowest credit score Mazda will finance?
You’ll likely need a credit score of 680 or higher in order to qualify for a Mazda lease or car loan.
What is the best interest rate Mazda offers?
As of the first quarter of 2023, Mazda’s best interest rate offers are between 2.49% and 2.9%.
What is the best Mazda car?
This all depends on you—for those with children to chauffeur to and fro, one of Mazda’s standout SUVs, such as the CX-5 or the CX-9, may fit the bill due to their practicality and fun-to-drive nature. A sporting type might gravitate to Mazda’s legendarily shifty Miata, while a more buttoned-down individual might feel more at home in a Mazda 3 sedan.
Reviewed by Amy Bobinger.
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