“Can Mazda embed a comprehensive suite of financial services — financing, BNPL, insurance, and payments — across its global dealer network and digital channels without operating a captive financial institution?”
Mazda is a traditional automotive OEM that has progressively embedded financial services into its dealer and customer experience. Rather than building a captive finance subsidiary, Mazda has outsourced its US consumer financing to Toyota Motor Credit Corporation under the 'Mazda Financial Services' private label, while layering in third-party BNPL solutions (Sunbit, DigniFi) to address service-lane financing. In international markets such as Australia and New Zealand, Mazda Finance and Mazda Payment Protection Insurance products are offered, with insurance underwritten by Aioi Nissay Dowa Insurance. Payment acceptance in European markets is powered by Mollie.
Mazda processes payments through Mollie.
The Embedded Finance Index 2026 maps 2 layers in Mazda's stack: Payments / PSP (Mollie); Lending (Mazda Financial Services (private label consumer auto financing, US), Sunbit BNPL (service lane financing, US dealerships), DigniFi BNPL point-of-sale financing (service, parts, accessories, F&I, US dealerships), Mazda Finance Fixed Rate Business Car Loan (Australia) and 1 other).
Mazda is founded in 1920 and headquartered in Hiroshima, Japan.
Get a read on where your own stack stands against Mazda and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.