Many drivers dream of getting behind the wheel of a luxurious, performance-tuned Mercedes-Benz model and fall short of this dream due to minimal credit. Drivers may now realize this dream with the help of the Mercedes-Benz Rising Stars Program. Designed to give car shoppers with minimal or zero credit the opportunity to experience the Mercedes-Benz dream, this program caters to Military Veterans, recent college graduates, current local or international college students and first-time Mercedes-Benz buyers. Explore this Mercedes-Benz Rising Stars Program overview for more information on this exceptional program.

All vehicles that can be leased or financed through Mercedes-Benz Financial Services are available to qualified individuals through the Rising Stars Program. College graduates have worked hard to get where they are and often find themselves without the credit required to lease or finance their dream car - not with the Mercedes-Benz Rising Stars Program. Current local and international students who struggle to receive financial approval will find that it is easy to qualify with this innovative program. First-time car buyers with limited credit who do not require a high amount of finance will find themselves behind the wheel of their dream car in moments.


Military Approval Checklist

Proof of U.S. Military, Reserve, or National Guard Enrollment:
  • Military ID Card (for dealer's records only, do not forward to MBFS)

    • Proof of Income
  • Most recent pay stub-or-
  • Last three months bank statements
  • Payment to income not to exceed 20% of Gross Monthly Income

    • Advanced Requirements
  • Amount Financed or Capitalized Cost not to exceed $50,000
  • Advance within standard guidelines for approved tier

    • Credit Requirements
  • 24 months of established tradline credit history on file
  • No derogatory credit history, including public record or collections


    • Below are additional checklists for first time buyers, students and graduates.

    First Time Buyer (New) Approval Checklist

    Proof of Income
  • Most Recent pay stub
  • Last three months bank statements
    • Advance Requirements
  • Amount Financed or Capitalized Cost not toe exceed $25,000
  • Advance within standard guidelines for approved tier
    • Proof of residency
  • Three verifiable personal references
    • Credit Requirements
  • 24 months of established tradeline credit history on file
  • No derogatory credit history, including public records or collections

    • First Time Buyer (Pre-Owned) Approval Checklist

    Certified Pre-Owned Mercedes-Benz vehicles onlyProof of Income
  • Most Recent pay stub
  • Last three months bank statements
    • Advance Requirements
  • Amount Financed or Capitalized Cost not toe exceed $25,000
  • Advance within standard guidelines for approved tier
    • Proof of residency
  • Three verifiable personal references
    • Credit Requirements
  • 24 months of established tradeline credit history on file
  • No derogatory credit history, including public records or collections



    • Student Approval Checklist

    Name of College/University
  • Must be an accredited four-year College or University -or-
  • Accredited Graduate Program -or-
  • Accredited Registered Nursing Program
    • Proof of Enrollment
  • Official Transcript -or-
  • Letter from Registrar's Office
    • Program Requirements
  • Term cannot exceed F1 Student Visa expiration
  • Expired F1 Student Visa okay with I-10 documentation demonstrating length of stay greater than term
    • Proof of Income
  • Last three months bank statements showing sufficient cash flow to support payment/debt
    • Advance Requirements
  • Amount Financed or Capitalized Cost not to exceed $50,000
  • Advance within standard guidelines for approved tier
    • Credit Requirements
  • No derogatory credit history, including public records or collections
    • Cap Reduction/Security Deposit
  • 20% Cap Reduction
  • 10% Security Deposit

    • College Graduate Checklist

    Name of College/University
  • Must be an accredited four-year College or University -or-
  • Accredited Graduate Program -or-
  • Accredited Registered Nursing Program
    • Proof of Enrollment or Graduate Status
  • Proof of graduate status (Copy of Graduate's Diploma or Official Transcript) -or-
  • Letter from Registrar's Office stating intent to graduate within the next 6 months
    • Proof of Income
  • Most recent pay-stub-or-
  • Last three months bank statements
    • Advance Requirements
  • Amount Financed or Capitalized Cost not to exceed $50,000
  • Advance within standard guidelines for approved tier
    • Credit Requirements
  • 24 months of established tradeline credit history on file
  • No derogatory credit history, including public records or collections

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    Rising Star Program

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