Financing – Used C-Class W206

Hey together, I need some advice from you. First of all some text: Currently I drive an A-Class which is leased over Mercedes 4 years and is due to be returned in January 2024. I am now an absolute fan of the MBUX system, which is why I want to stay with Mercedes after the leasing end. Since we still have a dog, the car should become a comi for the future, which is why I kept an eye on the C-Class (W206) as a T-model. Only the C-Class also has the MBUX. D As a car we would buy or completely finance ourselves without annoying closing rate. We have a monthly rate of up to 480 euros available for this. If I look at the used car market so there is currently the C-Class hardly under 40k as gasoline and automatic. I assume now naively that there will probably be more used C-Classes for 38-40k by the end of 2023 (I know only speculation and supply and demand are decisive). For this we would have a credit of 34,000 Taking up Euro with a maturity of 72 months + making a down payment of 6,000 euros. Thanks to the credit comparison I can definitely get away cheaper than that I finance directly at Mercedes Bank. Because when I enter the figures in the online finance computer of Mercedes I always get only 7,49% effective annual interest rate and a rate of over 500 euros at 6 years. What I find crazily when I find a credit for 440 euros per month via an online comparison. J My question is, does someone have other experiences that you get different conditions with Mercedes personally? Especially as an official? And would you consider a financing for 6 years as useful? What’s another point of dispute with my wife, she would rather be an older model. Only if I now buy a C-Class from 2018 for about 25-29k Euro with a mileage of probably 70-100k and which in January 2024 is then already 6 years old and is likely to be financed another 3 years I have to see rather a higher probability that there will be several repairs. Would I be happy about a few opinions and finally I might be thinking too soon Greetings Daniel