Short, plain-English guides to help you make a good decision. No jargon. No pressure.
Get pre-approvedBuying a car with a traditional 72 to 84 month loan feels like the safe move. For a lot of drivers, it's actually the opposite. Here's why.
Cars lose value fastest in the first few years. On a 7-year loan, your balance stays high while the car's value drops. That's negative equity. It keeps you stuck.
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 loan payments kept you from saving for.
We offer flexible lease plans with affordable payments and clear terms. Trade options start at 18 months. The purchase option is set in your contract on day one.
We get the car back at the end of the lease, so we have a real reason to help you keep it running right. Oil changes on us every six months. Protection comes standard.
Life rarely looks the same for seven years. Jobs change. Families grow. The commute gets longer or shorter. A shorter lease cycle lets the car change with you, without the penalty a long loan tacks on.
Take care of the car, come back at 18 months, and move into the next one. Trade up, not stuck.
Your payment is structured to stay within 20 percent of your monthly net income. That's the ceiling we underwrite to. No stretch, no strain.
Tax and DMV fees are already in the down payment. The number you see is the full number to drive off the lot.
Every lease includes a purchase option. The price is set in your contract on day one. No renegotiation, no moving targets.
Three tiers. Drive for commutes, Drive+ for mixed use, DriveMax for rideshare and delivery. Pick the one that fits.
If your needs change, you can start trade conversations every 18th months. No need to wait until the lease ends.
GAP waiver, redemption waiver, and limited powertrain warranty come with every lease. Oil changes every six months, on us. See what the warranty covers >
When you owe more on your car than the car is worth. Common on long loans because car values drop faster than your balance. Xfi-cap's lease cycle is designed to help you avoid this.
If your car is totaled or stolen, a GAP waiver covers the difference between what your insurance pays and what you still owe. Included in every Xfi-cap lease.
Additional lease-end protection that sits alongside your GAP waiver. Included in every Xfi-cap lease. Your dealer walks through the specifics at signing.
The full amount you need to drive off the lot, including tax and DMV fees. No add-on surprises at the counter.
The price at which you can buy your leased vehicle at the end of the lease. Set in your contract on day one.
Coverage for the engine and transmission, the parts that would be most expensive to fix. 12-month / 12,000-mile coverage on Drive and Drive+ plans. 3-month / 3,000-mile on DriveMax.
Ending your lease before the full term ends. Xfi-cap contracts allow for this with a fee, so you are not stuck if life changes.
The length of your lease. Xfi-cap standard lease plans are 143-208 weeks, much shorter than a traditional 72 or 84 month auto loan.
Pre-approval takes under 5 minutes. No credit pull. Gig and 1099 income count.
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