What “Chase Infiniti” really means for car buyers
Many shoppers type “Chase Infiniti” after a dealer mentions Chase in the finance office. Quick clarity. Chase Auto is a major bank lender that can finance an Infiniti purchase, while INFINITI Financial Services is the brand’s captive lender backed by Nissan Motor Acceptance Company. Both can fund the same car, but they rarely offer the same rate or perks at the same time.
That difference matters right now. Captive lenders often run limited offers like subvented APR or lease cash that a bank cannot match, while a preapproval from Chase can undercut a marked up dealership rate. The right move depends on today’s incentives, your credit tier and whether you plan to buy or lease.
Chase Auto vs INFINITI Financial Services : incentives, history, who powers what
First, context helps. INFINITI launched in 1989 as Nissan’s luxury brand, with models like QX50, QX60 and Q50 shaping today’s lineup. Source : INFINITI USA.
Chase Auto is one of the largest U.S. auto lenders and it also runs private label programs for other brands, including Subaru Motors Finance, Jaguar Land Rover Financial Group and Maserati Capital USA. Source : Chase Auto. INFINITI’s captive financing is handled by INFINITI Financial Services through Nissan Motor Acceptance Company, not by Chase. Source : Nissan Motor Acceptance Company.
So, can Chase finance an Infiniti. Short answer, yes. Many Infiniti dealers submit applications to multiple lenders, which can include Chase, and consumers can also apply with Chase directly. INFINITI Financial Services competes with its own incentives that change monthly, especially on leases.
How to compare offers : credit tiers, real payment math, negotiation flow
Rates live and die on credit. Experian defines “prime” as 661 to 780 and “super prime” as 781 to 850 in its State of the Automotive Finance Market, 2024. Prime and super prime borrowers usually recieve the lowest APR offers. Source : Experian.
Your score also moves with the well known FICO mix. Payment history counts 35 percent, amounts owed 30 percent, length of credit history 15 percent, new credit 10 percent and credit mix 10 percent. Source : myFICO.
A quick payment example shows why shopping both paths pays. On a 50,000 dollar Infiniti financed for 60 months, a 5.9 percent APR is roughly 965 dollars per month. An 8.9 percent APR lands near 1,036 dollars per month. That gap, about 70 dollars every month, totals more than 4,000 dollars over the term.
Leases are different. Captives often subsidize the money factor or boost residuals, which can make INFINITI Financial Services the better deal for a lease even if a bank loan looks cheaper for a purchase. Always check current program end dates, since lease support can shift at month close.
Common dealership moment. The finance office may present one rate without showing competing approvals. Ask for the buy rate, not just the contract rate, and request a side by side comparison with any Chase approval or preapproval you bring.
Your step by step game plan for a cheaper Infiniti payment
Here is a simple way to structure the shopping week before you sign.
- Pull your credit reports and scores from a reputable source, then clean up errors at least 30 days before applying.
- Apply for a soft prequalification or a time boxed set of applications within a short window, so inquiries are grouped by credit scoring models.
- Get a written Chase Auto preapproval, then ask the Infiniti dealer to beat it through INFINITI Financial Services on the same day.
- For a lease, request the official money factor, residual percentage, acquisition fee and any lease cash for your exact trim and mileage, plus program expiration date.
- For a purchase, compare out the door prices first, then compare APR, term and total interest paid, not just the monthly payment.
- Lock the winner only after verifying there is no added product you did not request, such as unnecessary GAP or paint sealant.
One last piece that often flips the result. Captive APR specials sometimes exclude bonus dealer cash that is available with standard rates. A bank loan like Chase can let the dealer apply that hidden cash to reduce price, which may beat a lower APR from the captive. Ask for both versions of the buyer’s order, one with captive promo, one with bank financing and dealer cash, then compare total cost.
For many shoppers, this ends up simple. If leasing, INFINITI Financial Services usually wins when lease support is active. If buying, a strong Chase preapproval can anchor the negotiation and either save money directly or push the dealer to match through the captive. The numbers decide, not the logo on the contract.