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

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    Southern Palms Mazda Finance FAQs

    Find answers to common Mazda financing and leasing questions at Southern Palms Mazda, including online financing, credit, payments, trade-ins, Mazda programs, documents, and protection options for Royal Palm Beach-area shoppers.

    Can I apply for Mazda financing online before visiting Southern Palms Mazda?+
    Yes. You can complete our secure online finance application before visiting. You can also use our Mazda Digital Showroom to choose a vehicle, personalize your payment, include a trade-in, and begin the financing process online.
    Can I apply for Mazda financing if my credit is limited or not perfect?+
    Yes. You can still submit our online finance application. Financing can depend on factors such as income, employment, credit history, open balances, late payments, vehicle choice, and down payment. Approval, rates, and other terms depend on your individual application.
    What affects my Mazda monthly payment?+
    Your monthly payment can be affected by the vehicle price, down payment, interest rate, finance term, trade-in value, and approved financing terms. The payment estimator on this page can help you compare scenarios, while our Mazda Digital Showroom lets you adjust factors such as cash down, trade value, available offers, term, and credit score.
    Should I lease or finance my next Mazda?+
    It depends on your ownership goals, driving habits, and budget. Financing is designed to lead to ownership after the loan is paid, while leasing generally provides use of the vehicle for a set term with mileage and other lease conditions. Our Mazda 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 to start valuing your current vehicle, and our Mazda Digital Showroom lets you include trade value while personalizing a deal. The final trade value depends on the vehicle and completed appraisal.
    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.
    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 your application, so review the information on this page before you visit.
    Can I add GAP, a vehicle service contract, or prepaid maintenance when I finance or lease a Mazda?+
    We offer optional protection products including vehicle service contracts, GAP, prepaid maintenance, tire and wheel coverage, and appearance-related coverage. Availability and whether a particular product can be included in your financing or lease depend on the product and contract terms, so review our Vehicle Protection Plans for details.