Rate Comparison - October 2026
| Scenario | Lender | Representative APR | Typical term | Notes |
|---|---|---|---|---|
| New Mercedes-Benz - promotional | Mercedes-Benz Financial Services | 4–9% (0% promos available) | 2–5 years | Promotional rates available on new Sprinter and Vito through MB Van Centres |
| New Mercedes-Benz - standard | Mercedes-Benz Financial Services | 4–9% | 2–5 years | Standard dealer finance |
| New or used Mercedes-Benz | Broker (Close Brothers / Novuna) | 4.5–12% | 1–7 years | Multi-lender comparison |
| Used Mercedes-Benz or adverse credit | Broker (Aldermore / Haydock) | 5.5–16% | 1–7 years | Specialist underwriting |
When Mercedes-Benz Financial Services Wins
- New Sprinter or Vito with a competitive dealer promotional rate
- Complete dealer package including warranty, service plan and finance in one place
- MB Star-approved service history maintained through dealer network
Dealer finance promotional rates - particularly 0% or sub-4% offers - are subsidised by the manufacturer and cannot be replicated by independent lenders. If you are buying a new Mercedes-Benz Van and qualify for the promotional rate, Mercedes-Benz Financial Services will almost certainly be the cheapest option available.
When an Independent Broker Wins
- Used Sprinter - MB Financial rarely covers non-franchise used stock
- eSprinter with OZEV grant interaction - broker better placed to structure this
- Other van brands: Iveco Daily, Ford Transit etc.
- Adverse credit applicants - MB Financial scoring is strict
- Businesses wanting flexibility on term, deposit or structured repayment
Outside of promotional windows, independent lenders frequently beat captive rates - particularly for used vehicles, multi-brand purchases or applicants with imperfect credit histories. A broker also gives you negotiating leverage: knowing the market rate lets you challenge the dealer on finance terms.
Our Verdict
Check the manufacturer promotional rate first. If it is genuinely 0% or sub-5% and you are buying new, take it. For everything else - used vehicles, adverse credit, multi-brand fleets or loan sizes below the promotional minimum - contact Doulton Bridging Finance and we will identify the most competitive independent lender within hours.