Auto finance and loan center

When it comes to purchasing a car,
You're in the driver's seat.

Our secure online credit application makes getting financing a
quick & efficient process.

We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

A Little Knowledge Can Make A Big Difference.

Financing
Factors

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

Your Credit
Score

Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

Factors Effecting Your Credit Score

Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.

To learn your credit score you can contact the three main credit reporting agencies:

Experian Logo

Experian:

www.experian.com
(888) 397-3742

Equifax Logo

Equifax:

www.equifax.com
(800) 685-1111

TransUnion Logo

TransUnion:

www.transunion.com
(800) 916-8800

What To
Bring

What you need to bring with you

Drivers License Icon

Valid Driver's License

Insurance Form Icon

Proof of Insurance

Dollar Sign Icon

Proof of Income

Home Icon

Proof of Residence

Phone Icon

Proof of Phone Number

In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.


You Make The Choice. We Make It Easy.

Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

It's easy. It's quick. It's safe. Get started today.
Estimate Your Payment

* Indicates a required field

We're sorry, we cannot accept your information at this time. Please try again later or contact one of our representatives and they will gladly assist you over the phone.

Mazda of South Charlotte Finance FAQs

Find answers to common Mazda financing and leasing questions at Mazda of South Charlotte, including online financing, credit, payments, trade-ins, documents, Mazda college and military programs, and Certified Pre-Owned financing for Charlotte-area shoppers.

Can I apply for Mazda financing online before visiting Mazda of South Charlotte?+
Yes. You can complete our secure online finance application before visiting. You can also use our Mazda Digital Showroom to select a vehicle, personalize payments, include a trade-in, review available offers, and begin the financing process online.
Can I apply for Mazda financing if my credit is limited or not perfect?+
Yes. We have a dedicated financing resource for shoppers who have experienced credit challenges, and we work with customers who may have had difficulty securing an auto loan. You can start with our online finance application, but approval, rates, and other terms depend on your individual application.
What affects my Mazda monthly payment?+
Your vehicle price, down payment, interest rate, term, trade value, available offers, and approved credit terms can all affect your payment. Our Mazda Digital Showroom lets you adjust several of these factors online, while the payment estimator on this page provides another way to compare scenarios.
Should I lease or finance my next Mazda?+
The better choice depends on your ownership plans, expected mileage, and budget. Financing works toward vehicle ownership after the loan is paid, while leasing provides use of the vehicle for a set term subject to the lease agreement and mileage provisions. Our Digital Showroom lets you compare estimated lease and finance payments online. If you currently lease a Mazda, you can also review our lease-return information to understand your options when the lease ends.
Can I trade in my current vehicle and use the value toward my Mazda purchase or lease?+
Yes. You can use our online Sell & Trade tool, and our Digital Showroom lets you include trade value while building your deal. We can confirm the final value after reviewing the vehicle and transaction details.
What should I bring when I’m ready to finalize Mazda financing?+
Bring a valid driver's license, proof of insurance, proof of income, proof of residence, and proof of your phone number. Additional information may be requested depending on the application. You can review the information on this page before visiting.
Are Mazda college graduate or military programs available?+
Mazda Financial Services offers a College Finance Program for qualifying recent or soon-to-be graduates, including graduates of select trade or vocational programs. The College Finance Program is not a rebate and is subject to credit approval and program requirements. Eligible military shoppers and qualifying family members may also be eligible for Mazda Military Appreciation offers when available. Review our current Mazda incentives for current Military Appreciation offers, and confirm College Finance Program eligibility with our finance team before finalizing your transaction.
Can I finance a Mazda Certified Pre-Owned vehicle?+
Yes. Mazda Financial Services provides financing options for eligible Mazda Certified Pre-Owned vehicles as well as new Mazdas. You can browse our Mazda Certified Pre-Owned inventory and begin the financing process for the vehicle you are considering. Approval and final terms depend on your application.