INFINITI OF DENVER Finance FAQs

Lenders consider your entire credit profile—score, report, income and debt—to determine loan terms. There’s no fixed minimum score; higher scores generally qualify for lower rates, but borrowers with less-than-perfect credit may still be approved, possibly at higher rates.

A co-signer with strong credit can sometimes help you obtain a better rate on a new or pre-owned INFINITI. Lenders cannot require a co-signer unless you’re applying for joint credit.

• Factors reviewed: Credit history, debt-to-income ratio and employment stability
• Prime borrowers: Tend to qualify for the most favorable rates
• Co-signer option: May improve approval odds and rates

There’s no hard rule, but many experts suggest putting 10–20% down. Down payments around 10% are common for used vehicles, while new vehicles often require closer to 20%. A larger down payment reduces the amount financed and may lower your monthly payment and total interest.

If you have a trade-in, its value can count toward your down payment. Our INFINITI of Denver finance specialists will help you compare different down-payment scenarios.

• General guideline: 10–20% of the vehicle’s price
• Benefits: More equity, lower monthly payment and potentially better rates
• Trade-in credit: Can substitute or supplement cash down

APR—annual percentage rate—is the yearly cost of borrowing money. It includes the interest rate plus lender fees and is expressed as a percentage, allowing you to compare loan offers on equal terms.

Your APR is influenced by factors such as your credit score, loan term, amount financed, the vehicle’s age and current market rates. A lower APR means you’ll pay less interest over the life of the loan.

• Interest rate: Base cost of borrowing
• Fees included: Lender fees or administrative charges
• Determining factors: Credit profile, term, loan amount and vehicle age

Leasing an INFINITI typically results in lower monthly payments and allows you to drive a new model like the QX50 or QX60 every few years, but you won’t own the vehicle at the end of the term and you’ll have mileage restrictions.

Buying builds equity and comes with no mileage limits, but monthly payments are usually higher and terms range from three to seven years. Consider your driving habits, budget and long-term plans when deciding.

• Lease benefits: Lower payments, frequent upgrades and warranty coverage
• Buy benefits: Ownership, unlimited miles and equity accumulation
• Considerations: Annual mileage, down payment and long-term goals

Your trade-in’s appraised value is applied toward your purchase price, reducing the amount you finance. This can lower your monthly payment and overall interest. Negative equity—owing more than your vehicle is worth—may carry over into your new loan.

• Loan reduction: Trade-in value lowers the principal you need to finance
• Equity impact: Positive equity reduces financing; negative equity may be rolled into the new loan
• Online estimates: Use our Value Your Trade tool for a preliminary estimate

Yes. Pre-approval through INFINITI of Denver helps you understand what loan amount and rate you may qualify for before you shop.

• Benefits: Know your budget and potential interest rate before selecting a vehicle
• Compare offers: Use pre-approval to evaluate your price range
• Credit impact: Multiple auto loan inquiries within a short window typically count as one

Yes. A co-signer with stronger credit can help you qualify for financing or secure more favorable terms on your INFINITI purchase.

Both applicants share responsibility for the loan. Make sure you and your co-signer understand the financial obligations before proceeding.

• Shared liability: Both parties are responsible for repayment
• Potential benefits: Improved approval odds or lower rates
• Documentation: Co-signer must provide required financial documents

Often, yes. Extended service contracts, GAP coverage and maintenance plans can typically be included in your auto loan. This increases your monthly payment but spreads the cost over the loan term.

These products are optional. Our finance team will explain each option so you can decide what fits your needs and budget.

• Coverage options: Extended service plans, GAP coverage and prepaid maintenance
• Financing impact: Adds to your loan balance and monthly payment
• Voluntary: Only choose products that align with your goals

Zero-percent or low-rate financing promotions may be available on select new INFINITI models for qualified buyers. Availability depends on current manufacturer incentives and your credit profile.

Ask our finance team about current offers. We’ll review available programs and help you determine whether a promotional rate or rebate is the better option for your situation.

• Eligibility: Based on credit qualification and model
• Limited term: Promotional periods may range from 36 to 60 months
• Subject to change: Offers can change without notice

Lenders offer several payment methods. You can set up automatic debit from your bank account, pay online through a secure portal or mobile app, or mail a check to the lender. Automatic payments can help you avoid missed due dates.

Ask your lender which options are available and whether any discounts apply for enrolling in auto-pay.

• Auto-debit: Monthly payments drafted automatically
• Online portal: Pay through your lender’s website or app
• Mail payments: Send a check to the address listed on your statement