Infiniti finance options

Compare the pros and cons of different Infiniti finance options.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Got your heart set on an Infiniti? Find out everything you need to know about different Infiniti finance options available to you.

Infiniti was developed by Nissan as its luxury car brand and began trading throughout North America in 1989. 2012 saw the launch of Infiniti as a distinct brand in Australia, and it has gone from strength to strength with luxury car enthusiasts ever since.

Infiniti currently has an impressive range of cars available in Australia and has expressed plans to further extend the range. Current models available in Australia are the QX80 SUV, QX70 crossover, Q70 sedan, Q60 sports coupe, Q50 sports sedan, QX30 compact crossover and the Q30 active compact.

How much does it cost to buy and run an Infiniti?

Initial purchase cost

According to Redbook, the cost to purchase new 2018 Infiniti models in Australia is as follows:

  • 2018 Infiniti Q30 from $38,900
  • 2018 Infiniti Q50 from $54,900
  • 2018 Infiniti Q60 from $62,900
  • 2018 Infiniti Q70 from $68,900
  • 2018 Infiniti QX30 from $48,900
  • 2018 Infiniti QX70 from $76,400
  • 2018 Infiniti QX80 from $110,900

Fuel efficiency

According to information provided by the Australian Government's Green Vehicle Guide www.greenvehicleguide.gov.au, the Infiniti Q30 is the most fuel-efficient Infiniti vehicle, with a minimum urban fuel consumption of 6.2 litres per 100 kilometres. The Infiniti QX30 ranks next, with a minimum urban fuel consumption of 8.9 L/100km, followed by the Infiniti Q50 at 9.8 L/100km, the Infiniti Q70 at 9.2 L/100km, the Infiniti Q60 at 10.2 L/100km, the Infiniti QX70 at 11.2 L/100km, followed by the Infiniti QX80 at 20.9 L/100km.

Since the Australian Taxation Office defines a fuel-efficient car as one with a fuel consumption of 7 L/100km or less, only the Infiniti Q30 would fall into this category, with the other Australian models not meeting the definition of a fuel-efficient car.

Other costs to consider

  • New car extras. When purchasing a new car, it can be tempting to be lured in by a reasonable-sounding sticker price. Keep in mind that the advertised price is generally the lowest possible price, and extras such as leather seats, metallic paint and automatic transmission will increase the price.
  • Ongoing servicing and repairs. All cars should be serviced regularly to keep them in good running order and to prevent an expensive problem from developing. Additionally, logbook servicing is generally required after purchasing a new car.
  • Stamp duty. You can calculate the amount of motor vehicle stamp duty you may need to pay here. A tax to cover the cost of transferring registration of a car between two parties, the amount of stamp duty payable will depend on several factors including the purchase price of the car. The way stamp duty is calculated can vary between Australian jurisdictions, and stamp duty can also be known as vehicle registration duty, motor vehicle stamp duty or motor vehicle duty. Stamp duty applies when purchasing both new and used cars.
  • Insurance. Several types of insurance can apply to motor vehicles in Australia. Compulsory third party (CTP) insurance is legally required throughout Australia and protects third parties who may be injured by your driving. Other motor vehicle insurance is optional but can protect your investment should your car be involved in an accident or stolen.
  • Dealer delivery. Dealer delivery refers to the cost imposed on you, set by the dealer, to bring your new car from the manufacturer to you.
  • Finance costs. Read on for more information on the costs associated with different Infiniti finance options.

What types of Infiniti finance options are available?

Decided on the perfect Infiniti for you? Now it's time to consider your Infiniti finance options. With so many different options to choose from, the best solution for you will depend on your circumstances.

Consider the following types of Infiniti finance options:

Commercial hire purchase

A commercial hire purchase can be a good choice for self-employed people who intend to use the car primarily for business purposes. Regular repayments are made during the course of the lease term, with the car being purchased outright at the end of the term, typically with a balloon payment due.

Credit card

Using a credit card to purchase a car can be a much more convenient option than going through a loan approval process, but it can also end up costing you more in the long run. Credit cards tend to have much higher interest rates than other Infiniti finance options. If you have your heart set on racking up a huge number of credit card reward points with the purchase, be realistic about how long it will take you to pay off this credit card debt and how much interest you'll accrue in the meantime. Before taking out a new credit card to fund the purchase, take the time to compare credit cards to make sure you get the best deal.

Mortgage refinance

Has your credit score improved since you took out your mortgage, or has the value of your property significantly increased? It may be worth refinancing your home loan to get a better deal, and freeing up some of the equity in your home at the same time. In these circumstances, you could end up with enough money to purchase your car while also securing a better deal on your mortgage. Be aware of fees that come with refinancing, including having a new valuation performed on your property, as well as early exit fees and loan application fees.

Mortgage redraw

A mortgage redraw could be a viable option if you have sufficient funds in a home loan offset account or redraw facility. However, it is important to keep in mind that if you use funds that would otherwise have been offsetting your mortgage, you are essentially borrowing that money for the remaining term of your home loan. Although home loan interest rates tend to be lower than other forms of personal lending, the longer you take to pay off a loan, the more it ends up costing overall.

Secured car loan

A secured car loan poses less risk to the lender than an unsecured loan and can carry with it a lower interest rate and other favourable terms. It is important to remember that if you default on the loan, the lender can take possession of your car since it has been used as security for the loan.

Chattel mortgage

If you're a business buyer, consider a chattel mortgage when purchasing a new vehicle. Also, keep in mind the small business tax break which was renewed in the most recent federal budget.

Unsecured car loan

An unsecured car loan poses more risk to the lender and as such will usually attract higher interest rates and other fees than similar secured finance.

Pre-approved car loan

A pre-approved car loan is one in which you begin the loan application process prior to entering into an agreement to purchase a car. Once you know how much you are able to borrow, you can use this information to your advantage to get a more expensive car at a discount or to use your existing pre-approval to negotiate an even better finance deal directly from the dealership.

Novated lease

With a novated lease, you'll be entering into a three-way contract between yourself as the employee, your employer and the car dealership. Lease payments are taken out of your before-tax salary, reducing the amount of income tax you are liable to pay. While this arrangement can benefit some employees, it needs to be weighed against the fringe benefits tax that will be payable on the novated lease arrangement.

Infiniti dealer finance

Infiniti offers financial services to assist individuals and businesses with the costs of purchasing a new Infiniti. Click here to compare dealer finance with other forms of car loans.

  • Consumer loan. With loan terms ranging between one and seven years and a fixed interest rate applicable, an Infiniti consumer loan allows for extra payments to be made subject to early termination fees.
  • Finance lease. Infiniti offers a finance agreement with fixed monthly payments over a set finance term. At the end of the lease term, you have the option to purchase the car outright subject to a balloon payment, refinance the lease agreement or upgrade to a newer Infiniti.
  • Novated lease. Infiniti offers a novated lease as part of a salary packaging tool, allowing employees to make lease payments directly from their pre-tax income.
  • Business line of credit. Infiniti offers a line of credit option for approved businesses, allowing for the purchase of Infiniti vehicles as required within a pre-set approval limit.

Factors to consider when comparing Infiniti finance options

Consider the following when comparing finance options:

  • Interest rate. The interest rate will understandably be one of the biggest considerations you make when you compare car loans, but you should also take other factors into account.
  • Repayment frequency. The frequency of your loan repayments should match your circumstances, with some people better able to budget for smaller weekly payments, while others may prefer monthly or fortnightly payments to coincide with their pay period.
  • Loan amount. Make sure that the loan amount covers all costs associated with purchasing the car, including dealer delivery and stamp duty.
  • Loan flexibility. Loan flexibility is important if there is a chance you will want to pay out the loan early, refinance or trade your car in for a newer model before the end of the original loan term.
  • Loan term. Consider the loan term that would best suit your circumstances. Loan terms for car loans are usually between one and seven years, while using a credit card or redrawing or refinancing your mortgage could involve a different term altogether.
  • Fees and charges. Be mindful of fees and charges associated with the loan, including application fees and ongoing administrative fees.
  • Balloon payment. If you're looking to reduce the amount of your ongoing payments, a balloon payment at the end of the loan term is worth considering. However, this is an expense that must be budgeted for, and it is important to ensure that the amount of the loan payment doesn't outweigh the value of the car.

How to apply for finance to buy an Infiniti

The loan application process will vary from lender to lender and will depend on whether you are applying as an individual or a business.

As a private buyer, you will need to meet the following minimum criteria for vehicle finance:

  • Older than 18 years
  • Earning a steady income
  • Australian citizen or permanent resident

As a private buyer, expect to be asked for the following documents when applying for vehicle finance:

  • Proof of ID
  • Details of the vehicle you intend to purchase, including its estimated total cost
  • Proof of income and employment
  • Details of other assets and liabilities
  • Ongoing expenses and credit card limits

Compare car loans suitable for purchasing an Infiniti

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Plenti Car Loan
From
4.89%
(fixed)
5.44%
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Credit Concierge Car Loan
From
3.35%
(fixed)
4.41%
You'll receive a fixed rate of 3.35% p.a. with a comparison rate of 4.41% p.a.
Get access to over 20 providers to fund a new or used car.
You'll receive a fixed rate of 3.35% p.a. with a comparison rate of 4.41% p.a.
Get access to over 20 providers to fund a new or used car.
RACV New Car Loans
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Wisr Secured Car Loan
From
4.74%
(fixed)
5.01%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
OurMoneyMarket Car Loan
From
5.35%
(fixed)
5.65%
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
MoneyForJam Car Loan
From
2.85%
(fixed)
4.85%
You'll receive a fixed rate from 2.85% p.a. based on your risk profile
Borrow between $4,500 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers. You could get up to $250 cash back if you get insurance or warranty too by 31 July 2021. T&Cs apply.
You'll receive a fixed rate from 2.85% p.a. based on your risk profile
Borrow between $4,500 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers. You could get up to $250 cash back if you get insurance or warranty too by 31 July 2021. T&Cs apply.
Stratton Finance New Car Loan
From
3.85%
(fixed)
4.05%
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
CarClarity Car Loan
From
3.35%
(fixed)
4.95%
You'll receive a fixed rate from 3.35% p.a.
Get access to more than 30 lenders to finance a new or used car for personal or corporate use. Borrow up to $250,000 with terms from 1 to 7 years.
You'll receive a fixed rate from 3.35% p.a.
Get access to more than 30 lenders to finance a new or used car for personal or corporate use. Borrow up to $250,000 with terms from 1 to 7 years.
IMB New Car Loan
4.99%
(fixed)
5.34%
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
NAB Personal Loan Unsecured Fixed
From
6.99%
(fixed)
7.91%
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
Heritage Bank Car Loan
4.89%
(fixed)
5.53%
You'll receive a fixed rate from 4.89% p.a.
Finance a new or used car up to 5 years old. Large maximum borrowing amount up to $100,000 and terms up to 7 years.
You'll receive a fixed rate from 4.89% p.a.
Finance a new or used car up to 5 years old. Large maximum borrowing amount up to $100,000 and terms up to 7 years.
Symple Loans Personal Loan
From
5.75%
(variable)
6.47%
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
SocietyOne Car Loan
From
5.95%
(fixed)
5.95%
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
loading

Compare up to 4 providers

Compare car insurance side-by-side and get quotes

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 online discount + $100 gift card when you purchase by 25 July 2021. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
loading

Compare up to 4 providers

Frequently asked questions

When was the Infiniti brand launched?

As a division of the Japanese car company Nissan, Infiniti came about in the company's attempt to gain traction in the US vehicle market. In the 1980s and earlier, the United States preferred American and European luxury cars and was sceptical of cars made in Japan. In 1989, Nissan launched its new Infiniti luxury vehicle brand in the United States and soon found success, after which it was rolled out to other countries.

What does the Infiniti name and logo mean?

Infiniti is derived from the English word "infinity" and was chosen due to the company's desire to "always be looking forward to new horizons". Continuing with this theme, the company's logo symbolises "two central lines leading off into an infinite point on the horizon".

Will my credit report be affected by a car loan application?

All loan applications involve a credit check, and all will appear on your credit report. Should your loan application be denied and you decide to apply elsewhere, your credit report will also show the earlier application.

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site