Kelly INFINITI Finance Center

APR stands for Annual Percentage Rate. It represents the annualized cost of borrowing and can reflect interest as well as certain applicable finance charges.

A longer term may reduce the monthly payment because the amount financed is spread across more months, but it can also increase the total amount of interest paid over the life of the loan.

A 72-month term equals six years. A 60-month term equals five years, while 48 months equals four years.

A down payment is money paid toward the vehicle at the beginning of the transaction. It can reduce the amount that needs to be financed.

Early payoff rules depend on the specific finance agreement and lender. Review your contract or ask our finance team about the terms associated with your financing arrangement.

Financing generally provides a path toward ownership. Leasing provides use of a vehicle for a defined term under the mileage, condition, payment, and other requirements of the lease agreement.

A lease mileage allowance sets the amount of driving included under the agreement. Available mileage options and excess-mileage charges vary by lease program and contract.

Depending on your agreement and available options, you may be able to return the vehicle, replace it with another vehicle, or purchase the leased vehicle. Our team can help you review your lease-end choices.

Many lease agreements include a purchase option. The specific amount and terms are established by the lease contract, so review your agreement or contact our finance team for details.

Lease agreements generally include standards for acceptable vehicle condition. Damage or wear beyond those standards may result in additional charges at lease end, depending on the contract.

Yes. Kelly INFINITI can help determine your vehicle’s current payoff amount and compare it with the vehicle’s trade-in value.

Positive equity generally means the vehicle is worth more than the amount still owed on it. That difference may be applied toward your next purchase or lease.

Negative equity generally means the outstanding payoff is greater than the vehicle’s current value. Our finance team can explain how that difference may affect a new transaction.

Factors can include mileage, age, condition, equipment, service history, vehicle demand, market conditions, and the specific model and configuration.

Useful items can include your registration, keys, service information, loan or payoff details, and title if you possess it. If a lender holds the title, our team can help explain the next steps.

Yes. You can begin from home using our secure online finance application.

The application will guide you through the information required to begin. Additional documentation may be requested depending on the lender, applicant, and financing arrangement.

No. Financing is subject to lender review, credit approval, applicable program requirements, and agreed-upon terms.

Depending on the lender and individual circumstances, a co-applicant may be permitted. Our finance team can help explain available application options.

Yes. Financing may be available for qualifying pre-owned vehicles as well as new INFINITI models, subject to lender approval and applicable terms.