Finance at Sandown Group

Welcome to Mercedes-Benz Finance. In this section you can find out which products we have available at Mercedes-Benz Finance.

If you are an existing customer, click here to find out how to manage your agreement with Mercedes me finance and what to do when your agreement is coming to an end.

Personal Finance

At Mercedes-Benz, we believe a great driving experience should be matched by an equally great ownership experience. That is why we put as much thought, time and effort into designing our finance options as we do our vehicles.

Agility (Personal Contract Plan)

A flexible method of financing a vehicle over a fixed term. The agreement defers your decision of whether you purchase, hand back or part-exchange your vehicle until the end of your agreement.

How Agility works

At the start of an Agility agreement, you decide an amount you would like to put down as a deposit and decide the term of your agreement as well as your annual mileage. Your Finance Specialist at your local retail site will advise you of the Optional Purchase Payment of your chosen Mercedes-Benz, which offers you the reassurance of knowing exactly what you will need to pay to own the vehicle outright in the future (this is known as the Optional Purchase Payment).

The Optional Purchase Payment helps you guard against the risk of unplanned depreciation and enables you to benefit from lower monthly payments as you are only financing a proportion of the vehicles value.

Throughout your agreement you simply pay your agreed monthly payments.

  • Fixed regular payments mean you can easily budget.
  • Payments are based only on a proportion of the vehicle’s value, keeping your monthly payments lower.
  • Our Optional Purchase Payment avoids the risk of unplanned depreciation of your vehicle.
  • You defer your ownership decision until the end of the agreement.
  • Manage your agreement online with Mercedes me finance, available via Mercedes me

Purchase your Mercedes-Benz by paying the Optional Purchase Payment and Purchase Activation Fee of £10. This will complete the purchase of your Mercedes-Benz, leaving you free to simply enjoy your vehicle.

If you decide to return your vehicle to us, it must be in line with our Vehicle Return Standards, as vehicle condition, excess mileage and other charges may be payable.

Pay the Optional Purchase Payment and Purchase Activation Fee of £10. This will complete the purchase of your vehicle, allowing you to part-exchange for a new Mercedes-Benz.

Hire Purchase

A straightforward route to ownership. This is the perfect way to buy a Mercedes-Benz if you want to work your way up to full ownership, spreading the overall cost over a fixed term.

How Hire Purchase works

Decide the amount you would like to put down as a deposit on your chosen vehicle and agree the term of your agreement. Then throughout the term of your agreement, you pay the regular installments over the agreed term until the remainder of its value is repaid.

  • Once you have made the final payment and option to purchase fee, you will own the vehicle.
  • Fixed regular payments mean you can easily budget.
  • A flexible deposit and repayment term means you can tailor the financial agreement to suit you.
  • Monthly payments are not based on annual mileage.
    • *Manage your agreement online with Mercedes me finance, available via Mercedes me.

*If at any point you wish to voluntarily terminate your agreement, the vehicle will be subject to our Vehicle Return Standards and a maximum of 20,000 miles

Once your final payment is made as well as a nominal 'Option to Purchase Fee' of £10, you will own the vehicle outright.

Personal Operating Lease

A solution for those who want to drive one of our vehicles over a fixed term, with lower monthly rentals and without the need to commit to ownership of the vehicle.

How Personal Operating Lease works

At the start of your agreement, you’ll need to pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which keeps monthly payments lower.

  • Upfront advance rental payment
    • Fixed regular monthly rentals (that includes VAT at 20%) means you can easily budget.
    • Rentals are based on your annual mileage agreed at the start of your agreement and only on a portion of the vehicle’s value, keeping your monthly payments lower. Capital expenditure is eliminated.

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicle Return Standards, as vehicle condition, excess mileage, and other charges may be payable.

Personal Contract Hire

Enjoy driving a Mercedes-Benz without having to take on full ownership. With this option you lease your vehicle for a fixed period and for a fixed monthly rental which also includes the cost of your Road Fund Licence.

How Personal Contract Hire works

At the start of your agreement, you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which keeps monthly payments lower.

With a Personal Contract Hire agreement, you can choose from our ‘No Maintenance’, ‘Service Only’, ‘Full Maintenance’ or ‘Full Maintenance with Tyres’ options. This means the costs are fixed over the term of the agreement allowing you to budget easier and reducing any unexpected costs.

  • Pay an advance rental upfront.
  • Fixed regular monthly rentals (that includes VAT at 20%) means you can easily budget.
  • Rentals are based on your annual mileage agreed at the start of your agreement and only on a portion of the vehicle’s value, keeping your monthly payments lower. Capital expenditure is eliminated.

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicle Return Standards, as vehicle condition, excess mileage, and other charges may be payable.

Business Finance

At Mercedes-Benz we understand the complexities of running a modern-day business, but did you know you can get much more than just company vehicles from us? We offer a variety of finance agreements that suit both you and your business.

Agility (Personal Contract Plan)

A flexible method of financing a vehicle over a fixed term. The agreement defers your decision of whether you purchase, hand back or part-exchange your vehicle until the end of your agreement.

How Agility works

At the start of an Agility agreement, you decide an amount you would like to put down as a deposit and decide the term of your agreement as well as your annual mileage.

Your Finance Specialist at your local retail site will advise you of the Optional Purchase Payment of your chosen Mercedes-Benz, which offers you the reassurance of knowing exactly what you will need to pay to own the vehicle outright in the future (this is known as the Optional Purchase Payment).

The Optional Purchase Payment helps you guard against the risk of unplanned depreciation and enables you to benefit from lower monthly payments as you are only financing a proportion of the vehicle's value.

Throughout your agreement, you simply pay your agreed monthly payments.

  • Fixed regular payments mean you can easily budget
  • Payments are based only on a proportion of the vehicle’s value, keeping your monthly payments lower
  • Our Optional Purchase Payment avoids the risk of unplanned depreciation of your vehicle
  • You defer your ownership decision until the end of the agreement
  • Manage your agreement online with Mercedes me finance, available via Mercedes me
  • The vehicle is an asset on the balance sheet, therefore tax allowances may be deducted from taxable profits

Purchase your Mercedes-Benz by paying the Optional Purchase Payment and Purchase Activation Fee of £10. This will complete the purchase of your Mercedes-Benz, leaving you free to simply enjoy your vehicle.

If you decide to return your vehicle to us, it must be in line with our Vehicle Return Standards, as vehicle condition, excess mileage, and other charges may be payable.

Pay the Optional Purchase Payment and Purchase Activation Fee of £10. This will complete the purchase of your vehicle, allowing you to part-exchange for a new Mercedes-Benz.

Hire Purchase

A straightforward route to ownership. This is the perfect way to buy a Mercedes-Benz if you want to work your way up to full ownership, spreading the overall cost over a fixed term.

How Hire Purchase works

Decide the amount you would like to put down as a deposit on your chosen vehicle and agree the term of your agreement. Then throughout the term of your agreement you pay the regular instalments over the agreed term until the remainder of its value is repaid.

  • Once you have made the final payment and option to purchase fee, you will own the vehicle
  • Fixed regular payments means you can easily budget
  • A flexible deposit and repayment term means you can tailor the financial agreement to suit you
  • Monthly payments are not based on annual mileage
  • Manage your agreement online with Mercedes me finance, available via Mercedes me
  • The vehicle is an asset on the balance sheet, therefore tax allowances may be deducted from taxable profits

Once your final payment is made as well as a nominal 'Option to Purchase Fee' of £10, you will own the vehicle outright.

Operating Lease

Operating Lease is a solution for those who want to drive one of our vehicles over a fixed term, with lower monthly rentals and without the worries or commitment of ownership.

How Operating Lease works

At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which keeps monthly payments lower.

  • Pay an advance rental upfront
  • Fixed regular monthly rentals (that exclude VAT at 20%) means you can easily budget
  • Rentals are based on your annual mileage agreed at the start of your agreement and only on a portion of the vehicle’s value, keeping your monthly payments lower
  • Capital expenditure is eliminated

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicle Return Standards, as vehicle condition, excess mileage, and other charges may be payable.

Contact Hire

Contract Hire gives you the ability to enjoy driving a Mercedes‑Benz without having to take on full ownership. With this option, you lease your vehicle for a fixed period and for a fixed monthly rental. This rental includes the cost of your vehicle's Road Fund Licence for the duration of your agreement.

How Contract Hire works

At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which avoids a large initial expense and keeps monthly payments lower. With a Contract Hire agreement, you can choose from our ‘No Maintenance’, ‘Service Only’, ‘Full Maintenance’ or ‘Full Maintenance with Tyres’ options. This means the costs are fixed over the term of the agreement allowing you to budget easier and reducing any unexpected costs.

  • Pay an advance rental upfront
  • Fixed regular monthly rentals (that exclude VAT at 20%) means you can easily budget
  • Rentals are based on your annual mileage agreed at the start of your agreement and only on a portion of the vehicle’s value, keeping your monthly payments lower
  • Capital expenditure is eliminated

Simply return your vehicle with nothing more to pay, subject to it being in line with our Vehicle Return Standards, as vehicle condition, excess mileage, and other charges may be payable.