When considering purchasing or leasing a Mazda vehicle, financing is a crucial aspect. Mazda Financial Services (MFS) provides tailored financial solutions designed to simplify your Mazda ownership experience. Whether you’re buying new or leasing, MFS offers a variety of plans, competitive rates, and customer-centric service.
What is Mazda Financial Services (MFS)?
Mazda Financial Services is the official financing arm associated with Mazda vehicles in various regions, notably managed in the U.S. by Toyota Motor Credit Corporation (TMCC). MFS supports Mazda customers with flexible financing options, online tools, and end-of-lease services.
Types of Mazda Financial Services
MFS provides a variety of financing and leasing options. Below is a summary of available services:
| Service Type | Description |
|---|---|
| Retail Financing | Traditional auto loan with flexible terms (12–72 months). |
| Lease Programs | Lease Mazda vehicles for a specific term (usually 24–36 months). |
| Balloon Financing | Lower monthly payments with a large final payment. Ideal for short-term plans. |
| Certified Pre-Owned Financing | Special rates for Mazda Certified Pre-Owned (CPO) vehicles. |
| Loyalty Programs | Offers and incentives for returning Mazda customers. |
| Military & Graduate Rebates | Special discounts for active military and recent graduates. |
| End-of-Lease Services | Options to return, purchase, or trade-in leased vehicles. |
Where is Mazda Financial Services Located?
While Mazda dealerships are spread globally, Mazda Financial Services operates regionally in coordination with local or national partners. Here’s a breakdown:
| Region | Financial Partner/Operator | Headquarters/Location |
|---|---|---|
| United States | Toyota Motor Credit Corporation (TMCC) | Plano, Texas, USA |
| Canada | Scotiabank & Mazda Canada | Toronto, Ontario, Canada |
| UK | Mazda Financial Services (Santander Consumer UK) | Redhill, Surrey, UK |
| Australia | Macquarie Leasing | Sydney, New South Wales, Australia |
| Europe (varies) | Local finance arms or partnerships | Varies by country |
You can access services through local Mazda dealerships, or online through regional websites.
Average Costs and Rates
Costs vary depending on location, credit profile, and vehicle choice, but below is a general idea of average rates and terms (U.S. example):
| Financing Option | Typical APR | Term Range | Down Payment |
|---|---|---|---|
| Retail Financing | 1.9% – 5.9% APR | 12 to 72 months | Typically 10–20% |
| Lease Program | Based on credit | 24 to 36 months | First month, fees |
| Balloon Financing | Lower monthly rate | Up to 60 months | Larger final payment |
| CPO Financing | As low as 2.9% APR | 36 to 60 months | Based on credit |
💡 Note: Promotional APR offers (e.g., 0% for 36 months) are often available during sales events.
How to Apply for Mazda Financial Services
There are two main ways to apply:
- Through a Mazda Dealer – In-person consultation during vehicle purchase.
- Online Pre-Approval – Apply on the Mazda Financial Services website or regional partner site.
Required Documents:
- Valid driver’s license
- Proof of income (pay stubs, tax return)
- Proof of residence
- Credit history
Contact Information
United States – Mazda Financial Services
| Department | Contact Method |
|---|---|
| Customer Service | 1-866-693-2332 (Monday–Friday, 8 AM–5 PM CST) |
| Mailing Address | Mazda Financial Services P.O. Box 105386 Atlanta, GA 30348-5386 |
| Sitio web | https://www.mazdafinancialservices.com |
| Payment Address | P.O. Box 74689 Chicago, IL 60675-4689 |
| Email (via Portal) | Accessible after account login |
Canada – Mazda Financial Services (Scotiabank)
| Department | Contact Method |
|---|---|
| Customer Service | 1-800-268-2271 (Scotiabank Auto Finance) |
| Mailing Address | Mazda Financial Services Scotiabank Auto Finance Centre P.O. Box 365 STN TD Toronto, ON M5K 1K6, Canada |
| Sitio web | https://www.mazda.ca → Finance section |
| Payment Address | Included in loan documentation – varies by province |
| Email/Online Support | Through Scotiabank Auto Finance Contact Page |
ℹ️ Mazda Canada works directly with Scotiabank for most financing solutions.
Australia – Mazda Finance (Macquarie Leasing)
| Department | Contact Method |
|---|---|
| Customer Service | 1300 883 599 (Monday–Friday, 8:30 AM–5:30 PM AEST) |
| Mailing Address | Mazda Finance (Macquarie Leasing) GPO Box 4035 Sydney NSW 2001, Australia |
| Sitio web | https://www.mazda.com.au → Finance section |
| Payment Address | Varies by financial agreement – check your Mazda Finance welcome pack |
| Email/Online Support | Via secure message after logging in at https://www.macquarie.com.au/ |
📝 Macquarie Leasing provides financial services under the Mazda Finance brand in Australia.
United Kingdom – Mazda Financial Services (Santander Consumer UK)
| Department | Contact Method |
|---|---|
| Customer Service | 0800 085 2054 (Monday–Friday, 9 AM–5:30 PM GMT) |
| Mailing Address | Mazda Financial Services Santander Consumer Finance 86 Station Road Redhill, Surrey RH1 1SR, UK |
| Sitio web | https://www.mazda.co.uk → Offers & Finance section |
| Payment Address | Included in contract documentation |
| Email/Online Support | Through https://www.santanderconsumer.co.uk → Live Chat or contact form |
💷 Finance is provided by Santander Consumer (UK) plc, authorised by the FCA.
Europe – Varies by Country
Mazda Financial Services in Europe is decentralized and typically handled by local finance institutions in partnership with Mazda dealerships. Below are examples from a few major markets:
Germany – Mazda Finance (Santander Consumer Bank AG)
| Customer Service | 02161 90 60 599 (Monday–Friday, 8 AM–6 PM CET) |
|---|---|
| Sitio web | https://www.mazda.de → Mazda Finance |
| Mailing Address | Santander Consumer Bank AG Postfach 21 01 61 41431 Mönchengladbach, Germany |
| Support | Available through dealer or via https://www.santander.de |
France – Mazda Finance (Crédit Agricole Consumer Finance)
| Customer Service | 0 825 87 58 58 (standard call rates apply) |
|---|---|
| Sitio web | https://www.mazda.fr → Services Financiers |
| Support | Through Crédit Agricole Auto Bank or local Mazda dealer |
Netherlands – Mazda Financial Services (Santander Consumer NL)
| Customer Service | 030 – 63 88 600 |
|---|---|
| Sitio web | https://www.mazda.nl |
| Support | Available via https://www.santander.nl |
🌍 For other countries in Europe, customers are advised to check with their local Mazda dealership or Mazda country-specific website for finance options and support.
Online Tools & Features
Mazda Financial Services provides several digital tools for convenience:
- Online Account Management
- Automatic Payments Setup
- Lease-End Calculator
- Pre-qualification Tool
- Document Upload Portal
Mazda Lease-End Process
When your lease ends, you can:
| Option | Details |
|---|---|
| Purchase Your Vehicle | Pay the residual value and keep the car. |
| Return the Vehicle | Return it to the dealership after inspection. |
| Lease or Buy a New Mazda | Start a new lease or loan with loyalty incentives. |
Mazda Loyalty and Special Programs
MFS runs regular promotions, such as:
- Loyalty Cash Offers (e.g., $500–$1,000)
- Low APR Events (e.g., 0% for 36 months)
- Graduation Bonus (e.g., $500 for recent grads)
- Military Discount (e.g., $500 incentive)
Final Thoughts
Mazda Financial Services offers a flexible, customer-first approach to vehicle financing. Whether you’re interested in owning or leasing a Mazda, MFS provides competitive rates, excellent online tools, and supportive customer service. By working through a trusted dealer or their online portal, you can easily tailor a financing plan that suits your needs.
