Access exclusive finance rates, tailored offers, and trusted insight straight from the Honda brand.
Enjoy a simple and fast approval process when financing directly at your local Honda dealership.
Apply for financing, manage payments, and view your account anytime via the HFS portal.
Loyal Honda drivers can benefit from waived fees, repeat financing incentives, and exclusive upgrade offers.
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Start Your Honda Ownership Journey+
Financing your new Honda through Honda Financial Services is a smart, straightforward way to get behind the wheel. With low promotional rates and customizable terms, HFS helps you build a payment plan that fits your lifestyle and budget.
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Lease a Honda and Drive New More Often+
With Honda Leadership Leasing, drivers can enjoy lower monthly payments and more frequent upgrades. Terms typically range from 24 to 60 months, with mileage options that suit your lifestyle. GAP coverage and wear-and-tear protection are often included for extra peace of mind.
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Financing a Certified Pre-Owned Honda+
With HondaTrue Certified, financing a used vehicle feels like buying new. Every tier—Certified, Certified+, and Used—includes multipoint inspections, factory-backed warranties, roadside support, and even complimentary maintenance like oil changes.
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Financing a Honda Hybrid or EV+
Whether you’re considering a CR-V Hybrid or the all-electric Prologue, Honda Financial Services can support your switch to eco-friendly driving. Dealerships offer special financing for these vehicles and may help you explore local or federal incentives for hybrid and EV models.
Get behind the wheel of a new or certified pre-owned Honda with flexible, competitive financing directly from Honda.
Why Choose Honda Financial Services?
Honda Financial Services (HFS) is the official financing division of American Honda. It specializes in delivering loan and lease solutions that cater specifically to Honda buyers—whether you’re purchasing a brand-new Accord, leasing a CR-V, or buying out your lease. By working closely with Honda dealerships, HFS simplifies every step of the financing process.
Key Benefits of Financing with Honda
- APRs starting at 0% on select 2024/2025 models (Civic, Accord, CR-V, Pilot)
- Loan terms up to 72 months, allowing for lower monthly payments
- $500 College Grad Bonus for recent graduates
- $500 Military Appreciation Offer for active duty and retired members
- Lease-end purchase financing with dedicated support
- Certified Pre-Owned eligibility, often with lower rates than standard used-car loans
- No prepayment penalties, allowing you to pay off early and save on interest
- Direct application through dealership, no need to visit a bank or third-party site
- End-of-year clearance incentives can lower APR further on remaining stock
- Option to bundle extended warranty directly into loan, improving vehicle protection
- Automatic payment discounts may reduce your APR by up to 0.25%
Financing Options Available
- Standard New or Used Vehicle Loan
Available via Honda dealerships, often bundled with promotional APR offers. - Certified Pre-Owned Honda Loan
For 182-point inspected vehicles, offering better rates than traditional used car loans. - Honda Lease & Lease-End Financing
Flexibility to return, renew, or buy your lease. Lease buyout loans are simple and accessible. - Private Party Purchase (Limited)
Possible through partnerships with banks; includes vehicle inspection and title checks. - Honda Graduate and Military Financing
Tailored offers for recent graduates and military personnel with flexible down payments and additional rate discounts. - Refinancing Your Honda Loan
Lower your current APR or monthly payment if your credit score has improved.
Honda FS vs Other Providers
| Feature | Honda FS | Bank of America | Capital One |
|---|---|---|---|
| APR Offers as Low as 0% | ✅ | ❌ | ❌ |
| Lease Buyout Support | ✅ | ✅ | ✅ |
| Certified Pre-Owned Loans | ✅ | Limited | ✅ |
| Loyalty/Program Discounts | ✅ ($500) | ❌ | ❌ |
| Direct Dealer Application | ✅ | ✅ | ✅ |
| Graduate/Military Incentive | ✅ | ❌ | ❌ |
| Refinance Options | ✅ | ✅ | ✅ |
Loan Simulation – Example (2024 Honda Civic)
- Vehicle Price: $24,500
- Down Payment: $4,500
- Financed Amount: $20,000
- Term: 60 months
- APR: 0.9% (promotional)
- Monthly Payment: ~$342
- Total Interest Paid: ~$460
Additional Scenario – Certified Pre-Owned Honda CR-V
- Vehicle Price: $22,000
- Down Payment: $3,000
- Financed Amount: $19,000
- Term: 60 months
- APR: 2.49%
- Monthly Payment: ~$337
- Total Interest Paid: ~$1,220
Third Simulation – Honda Pilot Lease-End Buyout
- Buyout Price: $27,000
- Down Payment: $5,000
- Financed Amount: $22,000
- Term: 60 months
- APR: 3.29%
- Monthly Payment: ~$398
- Total Interest Paid: ~$1,880
This reflects a customer buying out a lease after 36 months.
Want to qualify for top APR offers or combine college/military bonuses?
➡️ Continue to Page 2 for step-by-step instructions, requirements, and insider tips!
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