Leasing · Broker Black education

Multiple security deposits, explained.

Broker Black lets you add multiple security deposits to any Mercedes-Benz lease it prices, because they are the one lease lever that lowers the rate without spending the money. An MSD is a refundable deposit, roughly one month's payment, that the lender holds for the term. Each deposit buys a small reduction in the money factor; with Mercedes-Benz Financial Services, each one lowers it by 0.00007, up to 10 deposits, as reported by lessees on Leasehackr and MBWorld in 2025 and 2026.

By Broker Black · Published September 18, 2026 · Part of Leasing basics: how a car lease works

How the numbers work.

Deposit size. Each MSD equals the monthly payment rounded up to the nearest $50. On an $850 payment, one deposit is $850 and ten are $8,500.
Rate cut. 0.00007 per deposit. Ten deposits take 0.0007 off the money factor, which is about 1.7 percentage points of APR (0.0007 multiplied by 2,400).
Payment effect. On a $60,000 car over 36 months, ten deposits typically lower the payment by roughly $40 to $60 a month, so about $1,500 to $2,000 over the term, for money you get back.
Refund. The deposits come back at lease end, less any amounts you owe (excess miles, wear, unpaid fees). They are not applied to your payments during the term.

MSDs against the alternatives.

	Money down	One-pay	Multiple security deposits
What it does	Reduces the amount financed	Prepays every payment, lender cuts the rate	Lender cuts the rate, money held as a deposit
Refundable	No	No	Yes, at lease end
Risk in a total loss	Down payment is gone	Depends on contract	Deposits are returned
Best for	Lowering a payment when cash will not be missed	The cash buyer who keeps cars 2 to 3 years	Anyone with idle cash who wants the rate cut and the money back

On Broker Black.

Every Mercedes-Benz vehicle page has an MSD control (0, 3, 5, 7, or 10 deposits) beside the term and mileage selectors. Change it and the monthly payment, the drive-off total, and the deposit amount update together. The dealer's selling price does not change; only the lender's rate does.

Availability varies by state and lender; Mercedes-Benz Financial Services offers MSDs in Arizona and Nevada as of September 2026. The dealer confirms at contract.

The deposit is money you still own. If you have the cash and no better use for it over the term, MSDs are usually worth taking.

Quick answers.

How many multiple security deposits can I put on a Mercedes-Benz lease?

Up to 10 with Mercedes-Benz Financial Services. Broker Black prices 0, 3, 5, 7, or 10.

Do MSDs count as money down?

No. Money down is spent; deposits are held and returned. That is why Broker Black's lease examples show money down separately from MSDs.

Can I do MSDs and a one-pay together?

Usually not; lenders treat them as alternative rate reductions. Compare both on the vehicle page and take the one that fits.

What happens to the deposits if I buy the car at lease end?

They are refunded or applied toward the purchase, per the contract. Ask the Concierge to confirm the dealer's process before you sign.

Price a lease with deposits on live inventory Ask the Concierge