Mazda Financing: What To Know in 2025
Mazda might be best known for the MX-5 Miata, but this Japanese automaker offers a range of options, from sedans to SUVs and everything in between.
While a few models aren’t the most expensive, you’ll still likely need an auto loan to make the dream of owning a Mazda a reality.
We created this exclusive study to help you compare your Mazda loan offer against the average. While you’re here, learn about Mazda financing options so you can find the cheapest rate.
How do your Mazda payments compare to the average?
We analyzed data from trusted sources like Edmunds and Experian to estimate average Mazda monthly payments based on credit score.
Here’s how to use our study to help you shop for a good deal on a Mazda loan.
1. Check your credit. You’ll need to know your credit score to use our study. Don’t know your score? Check your credit for free with LendingTree Spring.
2. Compare monthly payments. Find your credit score and Mazda model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Mazda payments.
Estimated average monthly payments for new Mazdas
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 Mazda3 Sedan | $24,150 | $349.82 | $315.72 | $298.19 | $316.02 |
| 2025 Mazda MX-5 Miata | $29,530 | $456.52 | $412.01 | $389.14 | $412.41 |
| 2025 Mazda CX-5 | $28,770 | $441.45 | $398.41 | $376.30 | $398.79 |
| 2025 Mazda CX-50 | $30,500 | $475.76 | $429.37 | $405.54 | $429.79 |
| 2025 Mazda CX-90 | $38,045 | $625.40 | $564.42 | $533.09 | $564.97 |
Estimated average monthly payments for used Mazdas
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2019 Mazda3 Sedan | $14,574 | $257.43 | $223.00 | $197.92 | $191.16 |
| 2019 Mazda MX-5 Miata | $19,167 | $370.08 | $320.59 | $284.53 | $274.81 |
| 2019 Mazda CX-5 | $15,108 | $270.53 | $234.35 | $207.99 | $200.89 |
| 2019 Mazda CX-3 | $12,850 | $215.14 | $186.37 | $165.41 | $159.76 |
| 2019 Mazda CX-9 | $14,620 | $258.56 | $223.98 | $198.79 | $192.00 |
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Mazda finance options
Shopping for the right car loan is an important part of picking out your new Mazda, but it’s not nearly as much fun. Researching the auto financing options before signing the deal can make your experience more enjoyable.
Mazda Financial Services
You’re purchasing a new or used Mazda to take advantage of a special offer or you want a new car warranty.
As the manufacturer’s captive finance company, Mazda Financial Services may offer the best financing for a new or used Mazda.
By using the manufacturer’s captive finance company, you’ll get access to Mazda-specific deals or special offers. The most attractive offer is usually 0% APR (annual percentage rate), when available. Other deals include competitive interest rates or customer bonus cash. APRs from manufacturer financing tend to be competitive with other types of financing.
The disclosed special offer APRs vary based on region or ZIP codes, model, model year, sales events and other factors. Manufacturers use special offers to reduce inventory on slow-selling models or to clear out car lots for next year’s models. Special offers run for a limited time, so check Mazda’s website or your local dealer for current offers.
You can apply to Mazda Financial Services online or at a Mazda dealership. If you apply online, you can receive a preapproval certificate to take to the dealership. This will help speed up the buying process because the dealership will already have access to your information.
Like most auto lenders, Mazda does not disclose its minimum credit requirements to buy a car. To take advantage of the best Mazda financing deals, you’ll likely need at least good or excellent credit.
In addition to special financing offers, you might find other benefits with Mazda Financial Services, including:
Cash bonuses
Eligible military members can receive a cash bonus of up to $500 for purchasing or leasing a new 2023, 2024 or 2025 Mazda vehicle. Current Mazda owners can get a loyalty reward of up to $1,000 for purchasing or leasing a new 2025 Mazda vehicle.
Mobility program
Mazda may reimburse you up to $1,000 after installing adaptive driving aids or mobility assistance equipment on all new and unused 2023, 2024 or 2025 Mazda vehicles.
College graduate program
The College Graduate Finance Program offers competitive APRs and lease terms for new and certified pre-owned (CPO) Mazda vehicles, for those who meet the eligibility requirements.
Certified pre-owned vehicles
To qualify as a Mazda CPO vehicle, it must be newer than six years, have less than 80,000 miles and pass a 160-point inspection. Mazda CPO cars also come with a full AutoCheck vehicle history report, so buyers know exactly what they’re getting.
Once certified, Mazda CPO vehicles are covered by a 12-month/12,000-mile limited warranty, a 7-year/100,000-mile limited powertrain warranty and a zero-deductible on covered repairs and parts. Additionally, 24-hour emergency roadside assistance is part of the CPO package.
As of this writing, Mazda Financial Services is offering 1.90% APR for 60 months on certified pre-owned Mazda CX-90 and Mazda CX-70.
Bank and credit union auto loans
Your bank offers an autopay APR discount or a car-buying service.
Banks and credit unions are good places for auto financing, especially if you already have an account at one and can take advantage of discounts for banking and borrowing. Dealerships may offer financing through banks and credit unions as well.
At PNC Bank, setting up autopay with a PNC checking account could save 0.25% off your APR. Digital Federal Credit Union offers a 0.50% reduction for members who get qualifying direct deposits into their Digital Federal account and pay by autopay. PenFed Credit Union offers a reduced APR if you use its car-buying service. Like other credit unions, you have to become a member of PenFed to use its services.
You can apply online for auto financing at many banks and credit unions. Credit union auto loans often have competitive APRs and may finance more than 100% of the value of the vehicle. Credit unions also offer other benefits to their members.
Like the captive finance companies, banks and credit unions rarely disclose the credit score you need to qualify for their financing. However, if you have a history of responsible banking, they may be willing to work with you to secure financing for the car you want.
Online auto loans
You’re shopping for the best rates from multiple loan offers.
Each lender has its own methods for determining creditworthiness and ultimately the APR for your auto loan. Comparing multiple offers can help you find the loan with the lowest APR for your credit history.
The good news is there’s usually a lender for every credit band. Buyers with good to excellent credit may consider a LightStream auto loan for rates that are generally low compared to other lenders. For those with bad credit, buying and financing a car through Carvana could be an option because there’s no minimum credit score required.
Compare up to five lenders on Lendingtree’s auto loan marketplace with just a few clicks. Don’t worry, checking multiple rates at one time won’t hurt your credit score. Check out what could qualify for today.
In-house financing
If you have no credit, bad credit or no other options.
In this context, in-house financing is also known as buy here, pay here financing. When you get an in-house loan, you’re getting it through the dealer and not a financial institution or another lender.
One sign these loans are not a good deal is they are easy to qualify for. In-house loans typically have much higher APRs than other sources and loose eligibility requirements. The loans can be appealing if you have no other options and need to buy a car to go work, for example. But you could end up paying more than what the car is worth thanks to predatory APRs.
Buy here, pay here lots specialize in older models, so you may be at risk of having an upside-down car loan. Exhaust all your other options before resorting to in-house financing. If you can, take steps to improve your credit score or save up to buy a car with cash or a larger down payment.
How we calculated average monthly Mazda payments
To calculate average monthly Mazda payments, we found estimated starting MSRPs and the fair purchase price for some of Mazda’s most popular models.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,511 in Q1 2025. For used vehicles, it was $4,078. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Mazda payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q1 2025. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, ZIP code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.22% | 9.83% | 6.70% | 5.18% |
| Average loan term | 73.89 months | 74.76 months | 71.87 months | 64.25 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.99% | 13.74% | 9.06% | 6.82% |
| Average loan term | 66.07 months | 68.19 months | 68.49 months | 65.65 months |
Frequently asked questions
Mazda Financial Services’ interest rates are based on limited-time special offers, your ZIP code, dealership participation, your credit score and other factors. Apply for preapproval with a Mazda dealer to see what rates you might qualify for.
As of this writing, Mazda is not currently running any 0% financing deals. The lowest promotional rate currently available is 1.90% APR on the 2025 Mazda CX-50 and CX-50 Hybrid; the 2025 Mazda CX-70 and CX-70 Plug-in Hybrid; the 2025 Mazda CX-90 and CX-90 Plug-in Hybrid, and the 2024 Mazda MX-5 Miata RF. Remember, Mazda reserves these lowest rates for well-qualified buyers, and other terms and conditions may apply.
Mazda Financial Services doesn’t disclose minimum credit score requirements. It does consider the good credit band starting with a 650 FICO score. Scores below that are considered fair to extremely poor. You may be able to finance a car with bad credit through lenders that specialize in serving those credit bands.
Mazda Financial Services uses a credit rating determined by your spending habits, reliability in paying bills and how much overall debt you have, including other car loans and credit card debt. The best way to find out is to start an application online or with a dealership.
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