The Mercedes-Benz Rising Star Program

_{*Lease applies to the First Time Buyer program for new cars only
**Term cannot exceed Student Visa (if applicable), or appropriate F1 Visa and I-20 documentation
***Security deposit not applicable in NY. Down payment requirement in NY 25%
****No collection accounts, credit lines must not exceed credit limits
*****For members of the National Guard or Military Reserve, the retailer will need to verify active status vie Military ID Card and notify Mercedes-Benz Financial Services at the time of application submission}

1. Proof of Income
   o Last three months personal bank statements showing sufficient cash flow to support payment/debt
2. Advanced Requirements
   o Amount financed or capitalized cost not to exceed $50,000
   o Advance within standard guidelines for approved tier
3. Proof of Residency
   o Utility bill with service address
   o Signed and dated Lease Agreement
4. Three verifiable personal references
5. Credit Requirements
   o 24 months of established trade line credit history on file*
   o No derogatory credit history, including public record or collections

1. Name of College/University
   o Must be an accredited four-year college or university -or- Accredited graduate program -or- Accredited registered nursing program
2. Proof of Enrollment
   o Official transcript -or- Letter from Registrar’s Office
3. Program Requirements
   o Term cannot exceed F1 Student Visa expiration
   o Expired F1 Student Visa okay with I-20 documentation demonstrating length of stay greater than term
4. Proof of Income
   o Last three months personal bank statements showing sufficient cash flow to support payment/debt
5. Advance Requirements
   o Amount financed or capitalized cost not to exceed $55,000
   o Advance within standard guidelines for approved tier
6. Credit Requirements
   o No derogatory credit history, including public records or collections
7. Cap Reduction/Security Deposit
   o 20% Cap Reduction
   o 10% Security Deposit
   o In NY, no security deposit; 25% Cap Reduction

1. Name of College/University
   o Must be an accredited four-year college or university -or- Accredited graduate program -or- Accredited registered nursing program
2. Proof of Enrollment or Graduate Status
   o Proof of graduate status (copy of graduate’s diploma or official transcript) -or- Letter from Registrar’s Office stating intent to graduate within the next 6 months
3. Proof of Income
   o Last three months personal bank statements showing sufficient cash flow to support payment/debt
4. Advance Requirements
   o Amount financed or capitalized cost not to exceed $55,000
   o Advance within standard guidelines for approved tier
5. Credit Requirements
   o 24 months of established trade line credit history on file*
   o No derogatory credit history, including public records or collections

1. Proof of U.S. Military, Reserve, or National Guard Enrollment:
   o Military ID Card (for retailer’s records only, will not forward to Mercedes-Benz Financial Services)
2. Proof of Income
   o Last three months personal bank statements showing sufficient cash flow to support payment/debt
3. Advance Requirements
   o Amount financed or capitalized cost not to exceed $55,000
   o Advance within standard guidelines for approved tier
4. Credit Requirements
   o 24 months of established trade line credit history on file*
   o No derogatory credit history, including public records or collections
   o Payment to income not to exceed 20% of Gross Monthly Income 

You can pick any new or certified pre-owned Mercedes-Benz through Mercedes-Benz Financial Services. From sleek sedans like the C-Class to stylish SUVs like the GLA or electric EQ models, there’s something for everyone.

Just note that some paths have a financing cap of $50,000 to keep things affordable. Our certified pre-owned vehicles pass a rigorous inspection to ensure top quality and reliability.

We’ve simplified the process to make it as stress-free as possible:  

• You’ll need a clean credit report with no collection accounts and credit lines within reasonable limits.  
• Proof of stable income is required to show you can manage payments (students may use a co-signer or stipend).  
• Specific groups need additional documents, like an F1 Visa for international students or proof of military status.
• Our credit review is less strict than standard financing, designed to help those with limited credit history succeed.

We offer low finance rates and flexible term lengths (typically 24 to 72 months) to fit your budget. Shorter terms can save on interest, while longer terms lower monthly payments. In most areas, you can start without a down payment or security deposit (except in New York, where a 25% down payment may be needed). Our goal is to make your payments manageable and keep upfront costs low.

Applying is easy! You can start online at the MBFS website or visit an authorized Mercedes-Benz retailer. You’ll provide some basic info (like income and employment details), choose an eligible vehicle, and go through a quick credit review. If needed, a co-signer can help strengthen your application. We’re here to guide you every step of the way.

We want to set you up for success, so here are a few things to keep in mind:

• Some paths have a $50,000 financing cap, which may limit higher-end models like S-Class or AMG vehicles.  
• International students’ lease terms are tied to their visa duration for compliance.  
• Timely payments can help build your credit, but missed payments may impact your credit score, as MBFS reports to credit bureaus.  
• Terms may vary by state (e.g., New York’s down payment rule) and are offered only through participating dealers.

Your privacy matters to us. Mercedes-Benz Financial Sercvices securely handles your personal data, like income details and Social Security Numbers, in compliance with U.S. financial regulations to keep your information safe.

Program details depend on Mercedes-Benz Financial Services’s policies, market conditions, and dealer participation, so we recommend checking with your local authorized dealer or visiting https://www.mbusa.com/en/financial-services to confirm the latest terms.