Here is what to expect from the first form to the day you drive off the lot. Under 5 minutes to apply, a quick phone call, a partner dealer visit, and you're in your vehicle.
Fill out the pre-approval form. We ask about your job and your budget. No credit score check.
What you'll need: a valid driver's license, proof of income (a recent pay stub or the last two months of bank statements), and proof of residence. Gig and 1099 income count.
Someone from underwriting calls to confirm your details and go over your payment plan. No gotcha questions.
Haven't sorted insurance yet? Say so. We help you line it up before pickup.
You pick your vehicle at a franchised partner dealer. Your down payment is out-the-door, with tax and DMV fees already included. Bring proof of insurance.
At delivery: a full tank of gas and a walkthrough of your contract. We don't accept personal checks, and we don't hold the car on a partial down payment.
Trade conversations start at 18 months. At the end of your lease, 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. That's the flexibility that comes with leasing.
Some drivers stick to a commute. Others load up the car on weekends. Some are on the road for six hours a day earning on apps. You can pick a tier that maps to your life, then change tiers if your life changes.
No guesswork. Your payment and your mileage are set in the contract, clearly.
The structure is the same across every plan. Pick the mileage that matches how you actually drive.
For standard use
For daily commuters
For rideshare and delivery
Higher mileage tiers available for full-time gig drivers. See the gig driver plan.
The Xfi-cap principle
What you see is what you pay. Tax and DMV fees are already in the down payment, not a surprise at the counter.
GAP coverage, redemption waiver, and limited powertrain warranty in every lease. Oil changes every six months, on us.
No. We approve based on your monthly income and the affordability of the payment. We ask for proof of income. We verify it with Plaid or a recent bank statement. Your credit score stays put.
Yes. After you submit your form, underwriting calls to confirm your details and go over your payment plan. Quick conversation, not a screening call. It's also when we help sort out insurance if you haven't yet.
Payments are structured to stay within 20 percent of your monthly net income. That's the ceiling we underwrite to. Your monthly number is set in the contract on day one.
No. We don't take pick-up payments on the down payment and we don't hold vehicles. Apply now, get pre-approved, and bring the full down payment when you're ready to drive.
Yes. Bring proof of insurance on the day you pick up your vehicle. If you haven't lined it up, tell us during your phone call. We'll help before you come in.
If your vehicle is totaled or stolen, a GAP waiver covers the gap between what your insurance pays and what you still owe. Included in every Xfi-cap lease.
You can move up to a higher mileage tier at any time. Excess miles are charged per mile and shown upfront in your contract.
Yes. Every lease includes a purchase option. The price is set in your contract on day one. No renegotiation, no surprises.
Starting at 18 months, you can explore trade options. If you need to end the lease earlier, contracts allow for early termination with a fee.
We are launching in North Carolina through participating franchised dealers and expanding from there.
Yes. This is a lease, so Xfi-cap retains title until you exercise your purchase option. That structure is what lets us offer shorter cycles, built-in protection, and oil changes on us. We get the car back at the end of the cycle, so we have a real reason to help you keep it running right.
