Availability: Loans only for cars sold at Honda dealerships.
As a car production company, Honda has been in business since 1946 when it was founded in Japan. Their American headquarters are stationed in Torrance, California where they have been in business since 1959. Now, Honda financial services offers many loan and leasing options to their car buyers, but their services are not offered to individuals who are not purchasing a car at their dealership. This is typical with a dealership loaning service, most dealerships give you a good loan because you are shopping with them. Loans from Honda Financial Services will include new cars, certified used cars, motorcycles, boats, power equipment, and recreational vehicles. Since Honda Financial Services is a tool for dealership loans, they only offer financial information that pertains to loans or leasing.


Rank Chart
Loan Amount
Term Length
Our Score
36-75 months
$5k-No Max
12-84 months
36-72 months
24-72 months

The Good

Honda Financial Services has a many different loans and leasing options for those who are shopping for a car at a Honda dealership. Since you are purchasing a car from their dealership they offer some financing perks to ensure you have the right loan for your new car. Here is what we liked:

  • Low APR interest rates (0.9%)
  • Term Length up to 72 months
  • Loan amount up to $100,000
  • No early pay penalty
  • No application fees
  • Offer bad credit loans
  • Graduating college students save money on new cars (Current deal: $500 off)
  • Military appreciation discounts
  • Leadership purchase program (lease for 24 months then purchase or walk away)
  • Honda Care service contracts available
  • Online credit pre-approval online
  • Online car shopping

These options, as well as online calculators and in person advice from dealership representatives, make Honda financial services a great option for financing your new Honda.

The Bad

Obviously, the worst part about Honda financing is the fact that you must purchase your car from a Honda dealership. Only certified Honda dealerships can offer financing from Honda since Honda financial services only wants to loan for certified vehicles. Nevertheless, if you are purchasing from a Honda dealership, here are still a few things to keep in mind:

  • No online application, you must visit a dealership
  • No free credit check
  • No customer service line (must contact dealership)
  • APR interest rates are dictated by current dealership offers
  • All certified used vehicles are also Hondas so you must purchase a Honda

Honda Financial Services seem to offer reliable loans; however, they are not a banking website so their online assistance and information is limited. You must physically go in and talk to a salesperson at the dealership in order to apply for a loan.

The Bottom Line

We would recommend Honda Financial Services if you cannot get a loan from your bank. We think that Honda Financial Services might be a solution for the people who need a loan and cannot qualify at their bank. Essentially, if you do happen to buy from a Honda dealership, then Honda financial services would be a great option for you.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No Honda Financial Services Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


There are currently no reviews .