A traditional 72 to 84 month loan keeps you upside down for most of it. Finance with Xfi-cap for a flexible lease plan with built-in protection, a purchase option at the end, and approvals based on your income.
Flexible Structures Tailored Specifically For Your Use
We have a plan that will work for you. Choose from Drive, Drive+, and DriveMax plans offering from 24,000 to 54,000 miles per year.
For standard use
For daily commuters
For rideshare and delivery
The basics other shops sell as add-ons are included with every lease. Warranty, GAP and redemption waivers, and oil changes every six months.
Trade in opportunities every 18 months with an option to purchase or return the vehicle at the end. Three ways out, not a dead-end.
Limited powertrain warranty, GAP waiver, and redemption waiver. In every lease, never sold as add-ons.
We check your job and your budget. Gig and 1099 income count the same as a W-2.
Plans go up to 54,000 miles a year. DriveMax is built for rideshare and delivery.
Free, for the life of your lease. Part of keeping your car running right, not a dealership upsell.
Your down payment is out-the-door. Tax and DMV fees are already in the number.
The dream of a 7-year loan is that you own the car at the end. The reality is a 7-year-old car that needs the repairs your payments kept you from saving for. A lease cycle with Xfi-cap ends before depreciation catches you.
A lease built for Uber, Lyft, DoorDash, Amazon Flex, and Instacart drivers. Up to 54,000 miles a year. Income-based approval.
The Xfi-cap principle
You shouldn't be punished for life happening. It's transportation, not a lifetime commitment.
Standard lease terms range from 143-208 weeks and include a purchase option. Trade up, buy, or return.
No. Approvals are based on your income and your monthly budget. Payments are structured to stay within 20 percent of your net income, so the question is whether the car fits your life, not whether a credit score fits a chart.
Yes. After you submit your form, someone from underwriting calls to confirm your details and go over your payment plan. It's a quick conversation, not a screening call.
Three options. Buy it using the purchase option in your contract, trade into a new lease, or return it in reasonably clean condition. Take care of the car and we keep working with you.
Contracts allow early termination with a fee. Life changes. We won't punish you for it.
Through our Xfi-cap partner dealers. We are launching at franchise dealers in North Carolina and expanding from there.
Yes. Our highest mileage plan is built for gig drivers, with up to 54,000 miles a year and the same income-based approval. See For gig drivers for the full story.
Under 5 minutes. No credit score check. Job based approvals. Gig and 1099 income count.
Get pre-approved