American Honda Finance Corporation

American Honda Finance Corporation operates under the Honda Financial Services brand and serves as the captive finance subsidiary of American Honda Motor Co., Inc. It provides vehicle financing and lease products for Honda and Acura vehicles sold through authorized dealerships in the United States. American Honda Finance Corporation is headquartered in Torrance, California.

As a captive lender, Honda Financial Services is structured to support Honda and Acura vehicle sales. Financing is arranged through the dealership rather than through a direct consumer application. Buyers typically encounter Honda Financial Services when working with the finance and insurance department at a Honda or Acura dealership.

Honda Financial Services commonly offers retail installment loans for new and used Honda and Acura vehicles, as well as lease financing for new models. Leasing is a common choice at Honda and Acura dealerships, and Honda Financial Services manages a large lease portfolio.

Manufacturer promotional financing is a regular feature of captive lending programs. Honda periodically offers special annual percentage rate promotions on specific new models, typically targeted at buyers with strong credit histories. These offers are available only during limited promotional periods and on qualifying vehicles.

Buyers considering a Honda or Acura purchase should compare the dealership's financing offer from Honda Financial Services with quotes from their own bank or credit union. Promotional rates can be competitive, but the total cost of the vehicle and loan should be evaluated together. Consumers should also ask whether a cash-back incentive on the same vehicle might result in a lower overall cost when combined with outside financing.