What Mercedes-Benz CLS finance options are available in the UK?

When financing a Mercedes-Benz CLS in the UK, you typically have three main car finance options: Personal Contract Purchase (PCP), Hire Purchase (HP), and Lease Purchase. Each option offers different benefits depending on your preference for ownership, monthly payments, and contract length. Prefinance compares multiple specialist brokers to help you find the best car finance deal for your chosen CLS.

How does PCP finance work for a Mercedes-Benz CLS?

PCP finance is very popular for a Mercedes-Benz CLS, especially for newer models. It works by deferring a significant portion of the car's value into an optional final 'balloon payment'. This keeps your monthly payments lower, as you're essentially financing the depreciation rather than the full cost. At the end of the term, you can pay the balloon payment to own the car, return it, or trade it in for a new one.

Can I get a low APR on Mercedes-Benz CLS finance with Prefinance?

Yes, Prefinance helps you access competitive car finance interest rates. Our brokers offer rates starting from 7.9% APR (representative APR 8.9%), which can be significantly lower than standard dealer finance. By comparing multiple specialist car finance providers, our technology matches your Mercedes-Benz CLS to the broker most likely to offer you the best car finance low APR, helping you save money.

Is a no-deposit car finance option available for a Mercedes-Benz CLS?

While a deposit often helps to reduce your monthly payments, it is possible to find no-deposit car finance options for a Mercedes-Benz CLS through our comparison service. Whether a no-deposit option is available will depend on your individual financial circumstances and the specific finance product. Our specialist brokers can explore various car finance deals to find one that suits your needs, even without an upfront payment.

How can I compare Mercedes-Benz CLS finance quotes with Prefinance?

Our car finance calculator makes comparing Mercedes-Benz CLS finance quotes straightforward. Simply input the details of the CLS you're interested in, and our system will compare car finance options from multiple specialist brokers. We can provide a detailed car finance quote, allowing you to see potential monthly payments and savings compared to typical dealer finance, ensuring you get a great deal.

What is a 'balloon payment' in relation to Mercedes-Benz CLS finance?

A balloon payment is a large, lump-sum payment due at the end of a PCP or Lease Purchase agreement for your Mercedes-Benz CLS. For PCP, it's the optional final payment to own the car. In Lease Purchase, often referred to as 'HP with a balloon,' it's a mandatory payment to take ownership. This payment is calculated based on the vehicle's projected residual value, allowing for lower monthly instalments during the contract term.

Why should I use Prefinance instead of dealer finance for my Mercedes-Benz CLS?

Using Prefinance for your Mercedes-Benz CLS finance can lead to significant savings compared to standard dealer finance. As a comparison service, we access a panel of specialist brokers who understand premium vehicles like the CLS, often securing better rates (representative APR 8.9%). Our technology finds the best car finance deals, ensuring you benefit from competitive car finance interest rates and potentially lower monthly payments.

Can I finance an older Mercedes-Benz CLS model?

Yes, you can often finance an older Mercedes-Benz CLS model, even if it's several years old. While some mainstream lenders might be hesitant, our specialist brokers understand the enduring value of a well-maintained CLS. They are more likely to offer competitive car finance options like HP, even on models that are 7-8 years old, helping you secure finance without being penalised for choosing a classic executive coupé.

What is the difference between PCP and HP for a Mercedes-Benz CLS?

The main difference between PCP car finance and HP car finance for a Mercedes-Benz CLS lies in ownership and payment structure. With PCP, you have lower monthly payments and options at the end of the term (own, return, or part-exchange) due to a balloon payment. HP, on the other hand, involves higher monthly payments but means you own the car outright once the final payment is made, without a large lump sum at the end. Your choice depends on whether outright ownership or payment flexibility is more important.

How can I use the Prefinance car finance calculator to estimate my Mercedes-Benz CLS payments?

Our intuitive car finance calculator allows you to quickly estimate your Mercedes-Benz CLS payments. You can either manually input vehicle details or, for ultimate convenience, paste the URL of a CLS listing from AutoTrader or a dealer website. The calculator will then fetch the vehicle information and provide a detailed breakdown of potential monthly costs, showing you how our 8.9% representative APR could save you money on your car finance quote.

Best finance deals Mercedes-BenzCLS

The best used Mercedes-Benz CLS finance deals

Use our Mercedes-Benz CLS finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. Mercedes-Benz dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the CLS on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.

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Why choose an Mercedes-Benz CLS?

The Mercedes-Benz CLS stands out in the used car market as a truly unique proposition, blending the elegance of a coupé with the practicality of a sedan. It pioneered the "four-door coupé" segment, making it perfect for buyers who desire distinctive styling and a luxurious experience without sacrificing rear-door access. For those seeking a sophisticated statement car with a touch of sportiness, the used CLS offers an unparalleled blend of design and prestige.

Under the hood, various powertrains deliver exhilarating performance, with models like the CLS 550 boasting a 4.7-liter V8 biturbo engine producing 402 horsepower, capable of 0-60 mph in just 5.1 seconds. Its refined suspension and precise steering ensure a comfortable yet engaging driving experience, often featuring Mercedes' 4MATIC all-wheel-drive for enhanced traction. Inside, the CLS cocoons occupants in a lavish cabin adorned with premium materials like designo leather and open-pore wood trims, complemented by advanced technology such as the COMAND infotainment system and available Harman Kardon sound. As a used purchase, the CLS represents exceptional value, offering a significant discount from its original price while still providing the build quality, luxury, and performance synonymous with the Mercedes-Benz brand. Its timeless design and robust engineering make it a smart choice for discerning buyers.

Financing a CLS:

The Mercedes-Benz CLS stands out as an exceptional choice for financing, thanks to its enduring desirability and strong residual values. These factors are particularly beneficial for Personal Contract Purchase (PCP) finance customers, as they contribute to lower monthly payments. With a significant portion of the vehicle's value deferred to an optional final payment, you can enjoy the luxury of a CLS with greater financial ease.

We offer competitive APR rates starting from just 7.9%, with a representative APR of 8.9%. Our flexible terms mean we can fund CLS models of various ages, ensuring you have access to a wide selection. Our advanced comparison technology meticulously searches for the best lender tailored to your specific vehicle and financial situation. Discover how accessible financing a Mercedes-Benz CLS can be – try a comparison today!

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Mercedes-Benz CLS finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Mercedes-Benz CLS with our free PCP and HP calculator. Why accept a high 13.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £69.42 per month on used Mercedes-Benz finance deals.

		Average dealer
Representative APR	8.69%	12.32%
Monthly payment	£492	£562
Total payable	£23,019	£26,271
Monthly saving	£69	N/A

Statistics based on a sample size of 43 real Mercedes-Benz finance calculations and comparisons from 12/1/2025 to 2/12/2026. Data last updated on 2/12/2026