Mercedes-Benz Payments: What You Need to Know

You can make Mercedes-Benz payments online, by phone, or via good-old snail mail, but credit card payments are only an option through third-party services.
Written by Sarah Gray
Reviewed by Hillary Kobayashi
Mercedes-Benz Motor Finance allows customers to make payments online, by phone, by mail, or by third-party services, like Western Union or MoneyGram. 
If you need to make a payment on your Mercedes-Benz and don’t know how, we’ve got you covered with a rundown of all the options. And if you’re considering a Mercedes-Benz
car loan
or lease, we’ll go over average monthly payments for most of the automaker’s best-selling 2022 models to help you estimate your costs. 

How to pay your Mercedes-Benz car bill

The simplest and most convenient method of paying your Mercedes-Benz car bill is through automatic payments. You can enroll at your dealership, online at
, or by calling the Client Car Center at 800.654.6222.
However, if you don’t have autopay set up, and you need to make a one-time payment, you still have lots of options.


To set up autopay or make a one-time online payment, log into your account at
. After logging in, you’ll be prompted to select the date on which you’d like your payment to be processed and whether you’d like to set this up as a recurring monthly payment. 

By app or smartphone

Download the Mercedes me app or visit
to make payments via Apple or Android smartphones.

By phone

To pay by phone, call the Client Care Center at 800.654.6222. Customers can make payments using checking or savings accounts or debit or credit cards.

By mail

If you prefer to kick it old school, Mercedes still allows customers to pay by mail. If you choose this method, you’ll receive a monthly bill in the mail
Customers must make their payment by check and should be sure to include their account number in the memo section of the check. Your bill will contain a pre-addressed envelope, but, just in case, you should mail your payment, along with your statement stub, to:
Mercedes-Benz Financial Services
P.O. Box 5209
Carol Stream, IL 60197-5209
Make auto loan refinancing easy with PriceProtect™
icon4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars
icon4.7/5 app rating | Trusted by 5M+ drivers

Can I make my Mercedes-Benz payments with a credit card?

Yes, but only if you pay by phone. All other methods of payment require a checking or savings account number.

Is there a grace period for Mercedes-Benz car payments?

Mercedes-Benz employs a standard 10-day grace period for late loan and lease payments. If you’ve run into financial difficulties, Mercedes Financial Services can work with you to set up a payment deferral if you qualify. Deferrals normally last one month, but can be offered for up to three months in special circumstances. 
Keep in mind that a deferred payment is not a canceled payment—you will still be responsible for making all deferred payments once your normal payment schedule resumes.
MORE: Car loans for Mercedes Benz 2022

How much are Mercedes-Benz payments?

Mercedes-Benz vehicles aren’t necessarily known for their affordability—they’re known for their luxury and their performance. So while you can’t expect a low monthly payment with your Bimmer, you can expect an exciting drive. 
Starting MSRPs for Mercedes-Benz vehicles range from about $38,000 on the low end to well over $100,000 on the high end, with many of the most popular models falling solidly in the middle of this range.
If you’re curious about what you might be able to expect for an average loan payment on one of Mercedes-Benz's most popular models, check out our table below. The averages are calculated on the base trim with a 10% down payment, a 72-month loan term, and an estimated interest rate of 4.9%
This is the average rate a buyer with a credit score between 661 and 780 can expect to pay. Depending on your credit score, downpayment, and final sales price, your monthly payment could vary.
MSRP range
Average monthly payment
Starting at $44,900 
Starting at $53,550
$58,750 – $84,900
$78,000 – $121,050
$44,600 – $48,550
2022 Mercedes-Benz EQS Sedan
$105,450 – $127,000
2022 Mercedes-Benz EQS SUV
$105,550 – $133,350
How much you wind up paying for your Mercedes-Benz will depend on a number of factors in addition to those considered here. Key among them are your sales price, the amount of your down payment, your credit score, your previous vehicle’s trade-in value, the loan or lease term you choose, and, of course, any incentives or special programs your dealership may be running at the time of your purchase. 
“Because I have a luxury car, I was more interested in finding better coverage than the exact price.
helped me upgrade my policy, and when my record is cleared next year, I will be using Jerry again to choose an even cheaper plan!” —Paige W.
MORE: Five coolest Mercedes concept cars
Make auto loan refinancing easy with PriceProtect™
icon4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars
icon4.7/5 app rating | Trusted by 5M+ drivers


In general, Mercedes-Benz Financial Services requires a minimum credit score of at least 650 to finance a buyer. You may be able to secure financing through a bank or credit union with a lower score, though.
The interest rate you get for your vehicle loan or lease will be based primarily on your credit score, but Mercedes-Benz Financial has been known to offer rates as low as 0% to well-qualified buyers.
It depends. What you think is the best Bimmer might be someone else’s worst choice. According to sales figures, the best-selling Mercedes-Benz is the GLC-Class SUV. The best-selling sedan is the C-Class.
Reduce your monthly car payments in minutes?
Find out if Jerry can reduce your payments by an average of $150/month
Check your rate!

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings