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Infiniti Financial Services Deals and Review

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Infiniti Financial Services at a glance

Best for: Those who want to buy or lease an Infiniti

Starting APR 1.90%Loan terms 60 months

Buyers can finance or lease a new Infiniti directly through the manufacturer using Infiniti Financial Services. Whether at the dealership or online, well-qualified buyers may be eligible for lower interest rates and favorable repayment options when they finance or lease through Infiniti’s lending arm.

How Infiniti Financing works

Infiniti Financial Services (IFS) provides financing and lease options for Infiniti vehicles. Buyers can finance their new or certified pre-owned vehicle when they visit an Infiniti dealership or purchase online. However, you must have at least a good credit score and history to finance your loan through IFS.

IFS defines an excellent credit score as above 740, a great credit score between 700 and 739 and a good score between 660 and 699. Buyers with credit scores below 660 may not be eligible for a loan, or they may be charged a higher interest rate. For example, you can get a loan on a 2022 Q50 at 1.9% APR for 60 months with great (700-739) or excellent credit (740-plus). If you have good credit (660 to 699), the rate goes to 3.4% — sharply rising to 10.85% if your score’s between 620 and 659.

Buying an Infiniti

Buyers with excellent credit scores may be eligible for 0.9% to 3.49% APR; higher interest rates may apply based on your credit rating. IFS offers financing on new and certified pre-owned Infiniti vehicles.

Buyers may complete a preapproval process online. Once completed, the buyer receives an e-mail notification with the amount they’ve been approved for and the date the preapproval offer will expire. To complete the preapproval process online, you must be at least 18 years old and have an email address, valid Social Security number and U.S. residency, as well as verified income and employment. Since online preapproval only applies to individuals, you must visit an Infiniti dealership if you plan to have a co-applicant.

Leasing an Infiniti

Infiniti Financial Services offers lease terms ranging from 24 months to 60 months. Depending on the terms of your lease, annual mileage limits vary from 5,000 miles per year to 15,000 miles per year.

You may choose to lease instead of buying your Infiniti. Leasing may be a good option if you’re looking for a lower monthly payment and prefer to avoid the higher maintenance costs that you may incur when you own a car for a few years. Once you’ve completed the lease term, you can turn the car in and lease another new vehicle.

However, there are drawbacks to leasing instead of buying a vehicle. Leased cars are subject to annual mileage limits, which can become costly if you exceed them. And while your payments may be lower when you lease instead of purchase a vehicle, you won’t have any ownership in the vehicle when the lease ends.

Infiniti Financing deals and rebates

Infiniti offers few pricing incentives and rebates when compared with other automakers. Current available offers include:

  • Loyalty Bonus: If you are a current Infiniti owner or lessee, you may be eligible for a $2,000 Loyalty Bonus on specific models.
  • Low APR rates: Lower interest rates may be available to well-qualified buyers on select Infiniti models.

Pros and cons of Infiniti Financial Services

Many factors may influence your decision to finance your new or used vehicle through the manufacturer.

ProsCons
Quick and easy process: Buyers strapped for time don’t need to shop around at different lenders. You also don’t need to pick up a check from your financial institution to bring to the dealer when you buy or lease a vehicle.Higher interest rates: If your credit score isn’t high enough, you may be charged a higher interest rate through the manufacturer. Dealers may also tack their costs onto your interest rate, which can increase your monthly payments.
Favorable terms: If you have excellent credit, you may get a better interest rate and repayment terms if you finance through the manufacturer.Costly: Not only can a lower credit score drive up your interest rate, but you may need to make a larger down payment or extend the length of your financing to reduce your monthly payment.

Alternatives to Infiniti Financial Services

Financing a new or used Infiniti can be costly. When you shop around for an auto loan before buying, you could find better financing terms and lower interest rates than what you might get at a dealership. Buyers can seek preapproved financing with a local bank, credit union or online lender. And if you’re pressed for time or don’t know where to look for auto financing, you can get up to five auto loan offers when you apply for preapproval online with LendingTree.

 

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