A 7-year auto loan keeps you upside down for most of it. By the time you "own" the car, it is old and needs the repairs your loan payments kept you from saving for. Here are six reasons an Xfi-cap lease works better.
Get pre-approvedOn a 72 to 84 month loan, your balance stays high while the car's value drops. That gap is negative equity, and it follows you. If life changes and you need a different vehicle, you either absorb the loss or roll it into the next loan.
The dream is that you own the car at the end. The reality is a 7-year-old car that often needs the repairs your monthly payments kept you from saving for.
A short cycle, real protection, and a process built around how you actually live.
Leasing with Xfi-cap allows for flexible and affordable payments. We base our lease approvals on your job and affordability, not your credit score. Life happens, and credit scores do not always reflect your current financial stability or responsibility. Approvals are based on 20 percent of your net income to make sure they are always affordable.
With our leasing options, there are no surprise costs. Down payments are out-the-door, meaning they include tax, DMV fees, and more. There is no need to worry about unexpected expenses cropping up when you choose to lease.
We have made it easier than ever to lease a vehicle with three customer-focused mileage tiers. Every plan includes a purchase option at the end of the lease, giving you the freedom to own your vehicle when you are ready. The plans are designed for affordability, flexibility, and peace of mind, with no confusing choices or hidden terms.
Our lease plans come with trade options and a limited powertrain warranty. After 18 months, you can explore trade options. Every Xfi-cap lease also includes a GAP waiver and a redemption waiver, giving you additional peace of mind.
We believe in simplicity and transparency. The leasing process is straightforward with no invasive questions. If you can afford it and you are nice, you are more than likely approved.
Life can change, and so can your vehicle needs. Lease contracts allow for early termination with a termination fee. It is another way we offer flexibility, so you are never trapped if your situation changes.
No credit score check. Job-based approvals. Gig and 1099 income count.
Get pre-approved