Finance Department · Beachwood, Ohio
The Right Payment for Your
Next INFINITI
Whether you want to own or lease, our finance team works through the details so you don't have to. Transparent terms, competitive rates, and real answers — right here in Beachwood.
Start Your Free ApplicationYour Options
Lease or Finance — Which Is Right for You?
There's no universal right answer. The better question is: how do you use your vehicle? Here's an honest side-by-side to help you decide before you talk to anyone.
| Leasing an INFINITI | Financing (Auto Loan) | |
|---|---|---|
| Monthly Payment | Typically lower — you're paying for the use of the vehicle, not the full purchase price | Higher monthly cost, but every payment builds equity you eventually keep |
| Mileage | Annual limit (usually 10,000–15,000 miles); fees apply if exceeded | Drive as many miles as you want, no restrictions |
| At the End of Term | Return it, upgrade to a new model, or purchase at a pre-set price | You own the vehicle outright — trade it, keep it, or sell it |
| Maintenance | You'll typically be in warranty for the full lease term | Post-warranty repairs are your responsibility |
| Best Fit | Drivers who want a new vehicle every 3 years and prefer lower monthly payments | Drivers who keep vehicles long-term, drive high mileage, or want full ownership |
| Business Use | May qualify for lease payment deductions — ask your accountant | May qualify for Section 179 depreciation on qualifying vehicles like the QX80 |
Not sure which path makes sense? Our team will walk you through both options with actual numbers — no pressure, no obligation.
Credit Programs
We Work With All Credit Situations
Your credit score is a starting point, not a verdict. INFINITI of Beachwood works with a range of lenders — including INFINITI Financial Services — to find you a payment that fits.
Credit Score 720+
Prime Financing
Strong credit opens access to INFINITI's most competitive rates — including promotional APR offers and zero-down lease programs on select models.
- Promotional 0% APR on qualifying models
- Zero-down lease options on select inventory
- Military & recent college graduate rebates available
- Instant pre-approval with soft credit pull
Credit Score 580–719
Mid-Tier Financing
You're in good shape. A solid selection of loan terms and rates are available at this range — often with minimal down payment required.
- Competitive APR from multiple lender partners
- Flexible terms from 48 to 72 months
- Trade-in equity can reduce your financed amount
- Both new and certified pre-owned options available
Credit Score Below 580 · Past Issues
Fresh Start Program
Rebuilding credit after a bankruptcy, repo, or missed payments? You're not alone — and you're not out of options. Our network of secondary lenders specializes in second-chance auto financing, and getting approved is often more straightforward than people expect.
- Bankruptcy discharged? You may still qualify
- Previous repossessions considered case-by-case
- Consistent income matters more than your score
- On-time payments help rebuild your credit history
- Apply online — no hard pull until you're ready to move forward
How It Works
From Application to Keys — Four Simple Steps
Most customers are behind the wheel the same day. Here's what the process looks like.
Apply Online in Minutes
Our secure pre-qualification form uses a soft credit inquiry — your score won't be affected. You'll get an idea of your buying power before you ever set foot in the showroom.
Know What Your Trade Is Worth
If you have a vehicle to trade, get an instant Kelley Blue Book® estimate. That amount comes off your total — reducing what you need to finance or put down.
Review Your Terms
We'll walk through your loan or lease numbers line by line — rate, term, monthly payment, total cost. No surprises. No fine print you have to ask about twice.
Drive Home
Sign your paperwork in our Beachwood showroom and take delivery the same day. That's it. No unnecessary back-and-forth, no extended wait.
Common Questions
Financing Questions, Answered Plainly
Will checking my rate affect my credit score?
No. Our pre-qualification step uses a soft inquiry, which has no impact on your credit score. A hard pull only happens when you choose a vehicle and formally submit a loan application — and we'll tell you before that happens.
Pre-qualified vs. approved — what's the difference?
Pre-qualification gives you a reliable estimate of what you can finance and at what rate. Formal approval happens once you've selected a specific vehicle and we submit to a lender. Think of pre-qualification as knowing your budget before you shop.
When do I need to pay my down payment?
Down payment and any trade equity are collected at signing — the day you take delivery. You won't owe anything out of pocket until you're ready to drive home.
Can I finance if my credit isn't great?
Yes. We work with lenders who specialize in customers with challenged credit, including prior repossessions and discharged bankruptcies. The best way to know your options is to apply online — it takes a few minutes and won't affect your score.
What's included in my lease payment?
Your lease payment covers vehicle depreciation over the lease term plus a money factor (similar to interest). Taxes, registration, and any selected protection plans are separate. We'll show you every line item before you sign anything.
Can I buy my leased INFINITI at the end?
Yes. Every INFINITI lease includes a predetermined purchase option price — locked in when you sign. If you love the vehicle (and most people do), you can buy it outright or finance the remaining balance at lease end.
Do you offer financing on certified pre-owned vehicles?
Absolutely. INFINITI Certified Pre-Owned vehicles qualify for competitive rates through INFINITI Financial Services, often with extended warranty coverage built in. A great option if you want a newer model at a lower price point.
I live in Shaker Heights / Solon / Woodmere — is it worth coming to Beachwood?
We're a short drive from all of them — and most customers wrap up financing in a single visit. Call us at (216) 626-7768 if you'd rather start the conversation before making the trip.
Ready to See Your Numbers?
Apply in minutes. No hard credit pull. No commitment until you're ready.
Start Your Application