Auto Financing Doesn’t Have to Be Complicated

At Scott Mazda, we believe financing your next vehicle should be straightforward, stress-free, and maybe even a little exciting. Whether you're buying your first vehicle or trading in for something new, our finance team is here to help you make smart decisions without the runaround.

We’ll break down the basics, answer your questions, and find a plan that works for your lifestyle and budget – no confusing terms, no pressure, just real support from people who care about getting it right.

How Does Auto Financing Work?

When you finance a vehicle, you're essentially taking out a loan to pay for it. Instead of paying the full price upfront, you make monthly payments over a set period (called the loan term). You can finance a new or used vehicle, and your monthly payment depends on a few things:

• The total cost of the vehicle
• Your down payment (if you choose to make one)
• Your credit score and history
• The length of the loan
• The interest rate (also called APR)

Don’t worry – our team will walk you through every number and show you what it all means in plain language. We’re here to make sure you feel good about your decision from start to finish.

Apply Online, Shop Anytime

We’ve made it easy to get the ball rolling. With our secure online credit application, you can apply for financing before you even visit the dealership. It takes just a few minutes, and it helps our team start finding the best loan options for you.

Once you’re pre-approved, we’ll show you vehicles that match your budget so you can shop with confidence – and without wasting time.

Flexible Financing Options for All Credit Levels

Perfect credit? Great. Rebuilding your credit? We’ve got you covered. At Scott Mazda, we work with a network of trusted lenders across the region to find competitive rates and flexible terms for a wide range of credit profiles.

Whether you’re buying your first vehicle or returning to the market after some time, we’ll help you explore your options and find a loan structure that makes sense.

Want to Trade In? Let’s Talk

Have a current vehicle you want to trade? You can get a quick estimate using our online trade-in tool. We’ll give you a fair market value based on real-time data, and you can put that amount directly toward your next purchase. It’s fast, easy, and a great way to lower your monthly payment.

Leasing vs Financing – Which One’s Right for You?

While this page focuses on financing, we know leasing is also a great option for many drivers. If you’re curious about how leasing compares to buying, our team can help you weigh the pros and cons based on your needs and how long you like to keep your vehicles.

Just ask – we’ll give you the information you need without trying to steer you one way or the other.

Why Finance with Scott Mazda?

• Clear, straightforward process with no hidden fees
• Flexible options for new and used Mazda vehicles
• Easy online tools to apply for financing and value your trade
• Personalized support from a local team that knows your name
• Great rates through trusted lending partners

Get Started at Scott Mazda Today

Ready to take the next step? Apply online or stop by Scott Mazda in Allentown, PA. We’ll help you understand your financing options and get you behind the wheel with confidence.