FAQ FCL First Class Finish
What is the First Class Finish?
What choices will I have at the end of my lease?
What costs will I incur when I turn in my car?
What is the purchase price before or at lease maturity?
How can I determine my payoff amount?
Where should I send my payoff amount?
What is The Three-Point Inspection?
What is The Credit Card Test?
How do I know what I will need to repair?
Who do I contact with Lease-End questions?
Why did I not receive the first notice for my parking ticket?
I received an invoice from Mercedes-Benz Financial Services for a parking ticket I have already paid. How can I remove the parking ticket charges from my account?
Why did the fee from my parking ticket include a $25.00 fee from Mercedes-Benz Financial Services?
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What is the First Class Finish?
It is our lease-end process that is specifically designed to be as simple and straightforward as possible. The First Class Finish lets you cruise effortlessly through the lease-end process.
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What choices will I have at the end of my lease?
1. Return your vehicle
2. Extend your lease
3. Pay off your vehicle
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What costs will I incur when I turn in my car?
If returning at lease maturity, you are responsible for past due payments, unpaid fees, excess mileage, excess wear and use, and fees and taxes associated with your end of lease.

If you return your vehicle early (prior to maturity), you will be responsible for the above charges as well as remaining payments.

Please review your lease agreement for additional details. Also, for more details, contact your Mercedes-Benz dealer or the Mercedes-Benz Financial Services Business Center at 1.800.654.6222.
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What is the purchase price before or at lease maturity?
Visit the Account Information section of this website or call our 24-hour Automated Payoff Quote and Account Information Line at
1.800.654.6222. Your original Mercedes-Benz Dealer can also provide a payoff purchase price before maturity.
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How can I determine my payoff amount?
For a payoff quote, call our 24-hour Automated Payoff Quote and Account Information Line at 1.800.654.6222. You can also use this web site to access your Account Information or contact your local Mercedes-Benz Dealer for details.
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Where should I send my payoff amount?
For the fastest processing, please send a Cashier's Check to:
MB Payoff Standard Mailing Address:
Mercedes-Benz Financial Services
P.O. Box 5209
Carol Stream, IL 60197 - 5209
MB Payoff Overnight Mailing Address:
Mercedes-Benz Financial Services
Schaumburg RPC – MBFS - 5209
1301 E. Tower Road
Schaumburg, IL 60173
Please print and complete the blank Odometer Statement and send it with your payoff. Also, please tell us the address to which you want the title sent.
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What is The Three-Point Inspection?
The standard for excess wear and use is set forth in your lease. Mercedes-Benz Financial Services' unique Three-Point Inspection process helps you understand how many of the important components of excess wear and use are assessed to determine the condition of your vehicle. The Three-Point Inspection is:
  1. The Credit Card Test: Generally, if exterior and interior damage cannot be seen when placing a credit card over it, then it "passes the test" and you will not be charged.*
  2. Windshield, Lights, Wheels and Tires: A quick visual check of these areas can also help take the guesswork out of the damage assessment process.
  3. Missing Items: Check for the original equipment and verify that scheduled maintenance is up to date.
* The Credit Card Test does not apply to windshields, lights, wheels, tires, exterior cracks, gouges, collective damage or holes in the sheet metal or frame, or other major damage outside of ordinary wear and use.

Your 90 day to maturity package contains complete guidelines for chargeable damage.
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What is The Credit Card Test?
Most vehicle damage happens to the exterior or interior fabric and trim. At Mercedes-Benz Financial Services, we've created a simple, yet comprehensive way to evaluate when such wear and use becomes damage. Basically, if the damage can be hidden with a credit card, it passes the test and is not chargeable damage. Guidelines for tires, glass and a few others are equally innovative and fair. Three months before your lease ends, we'll send you The First Class Finish - Your Lease-End Guide, which explains the entire process in detail.
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How do I know what I will need to repair?
Before you return your vehicle, take a few minutes to do your own Three-Point Inspection using the criteria in your lease-end guide (sent to you 90 days before your maturity date). You may also contact your Mercedes-Benz dealer to schedule an optional Vehicle Condition Review to prepare for your lease-end inspection.
Interior and Exterior
- Is your vehicle free of interior and exterior damage?
- Does it pass The Credit Card Test?
- Is your car free of holes to the sheet metal and frame?
Tires and Wheels
- Are all of your tires the same size?
- Is your spare tire and rim in the trunk?
- Are all of your tires free of sidewall plugs, cuts or exposed cords?
- Are all your wheels matching and in good condition (not cracked or broken)?
Glasses and Lenses
- Are windows, the windshield and all other glass, lenses or plastic shields free of stars, cracks, holes and plugs?
Mechanical and Electrical
- Has all Maintenance Service specified by the manufacturer been performed, and is the most recent documented by:
- A stamped service book?
- A copy of the repair order?
Missing and Broken Parts
- Are all factory-installed parts present on your vehicle and not broken?
Aftermarket Alterations
- If you made any Aftermarket modifications, were they Mercedes-Benz authorized or installed by an authorized Mercedes-Benz Dealer?
Mileage
- Is your mileage within the mileage allowance provided for in your lease agreement?
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Who do I contact with Lease-End questions?
Contact your Mercedes-Benz dealer, or call a Mercedes-Benz Financial Services Program Advisor at 800.873.5471.
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Why did I not receive the first notice for my parking ticket?
Parking tickets are issued for the vehicle and not the driver. The first notice for the parking ticket was placed on your vehicle at the time of citation.
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I received an invoice from Mercedes-Benz Financial Services for a parking ticket I have already paid. How can I remove the parking ticket charges from my account?
The Municipality sent the parking ticket to us for payment which may have included penalties. If you have paid the violation, please send us a copy of your payment receipt (front and back), along with the citation number. You can fax this information to us at 877-281-2087. Attn: Parking Tickets. If you prefer, you can mail the documentation to us at P.O. Box 685, Roanoke, TX 76262 Attn: General Account Services/Customer Service. Mercedes-Benz Financial Services will review the citation and the date that the payment/or payments were received by the Municipality. If the initial payment was received in full at the Municipality by the customer, Mercedes-Benz Financial Services will request a refund from the Municipality. If the Mercedes-Benz Financial Services payment was received at the Municipality first, you will need to contact the Municipality for a refund.
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Why did the fee from my parking ticket include a $25.00 fee from Mercedes-Benz Financial Services?
The fee is assessed to each parking ticket to cover the administrative costs associated with handling the violation.
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