This Infiniti lease calculator works out the monthly payment, the amount due at signing and the total lease cost for an Infiniti QX50, QX55, QX60, QX80 or Q50.
Infiniti is Nissan’s luxury brand, and its lineup is now built mostly around SUVs. Luxury SUVs lose value quickly, and Infiniti dealers often discount to compete, which makes it especially important to look at the full lease math rather than the advertised payment.
Infiniti Lease Calculator
Enter the numbers from your Infiniti dealer’s lease worksheet, or keep the example values to see how a typical lease works, then press Calculate Lease.
Estimates only. The starting values are an example, not an Infiniti offer. Your dealer’s lease worksheet and your lease agreement list the actual MSRP, selling price, residual value, money factor and fees. Changing the term or mileage moves the residual by an estimated amount.
Why the Residual Matters So Much on an Infiniti
The residual is what the lender expects your Infiniti to be worth at the end of the lease. Luxury models, including Infiniti, often have lower residuals than mainstream cars, which leaves more depreciation for you to pay. Two things can offset it: a large discount off MSRP, and lease incentives from Infiniti that come straight off the cap cost.
Example: An Infiniti QX60-Sized Lease
A three-row Infiniti SUV with a $56,000 MSRP, negotiated to $51,000, $2,500 down, a 50% residual and a 0.00260 money factor (6.24% APR), for 36 months and 10,000 miles a year with 7% tax per payment. This is an example only, not an Infiniti offer.
| Step | Math | Result |
|---|---|---|
| Adjusted cap cost | $51,000 − $2,500 | $48,500.00 |
| Residual value | $56,000 × 50% | $28,000.00 |
| Monthly depreciation | ($48,500 − $28,000) ÷ 36 | $569.44 |
| Monthly rent charge | ($48,500 + $28,000) × 0.00260 | $198.90 |
| Base payment | $569.44 + $198.90 | $768.34 |
| Payment with 7% tax | $768.34 × 1.07 | $822.13 |
Even with a discount of $5,000, depreciation is about three quarters of the payment. If Infiniti offers lease cash on the model you want, enter it in the rebates field and watch how much the payment drops.
Filling In the Infiniti Lease Calculator
- Choose the model. Pick the QX50, QX55, QX60, QX80 or Q50, or enter another Infiniti.
- Enter MSRP. Use the total from the window sticker, including destination and packages.
- Enter the selling price. This is what you negotiated before lease cash.
- Add the residual and money factor from the worksheet, and choose a term and mileage plan.
- Add money down, rebates, fees and tax, then press Calculate Lease.
The Money Factor on an Infiniti
The money factor is the lease rate written as a decimal. Multiply it by 2,400 to compare it with an APR. On a $56,000 QX60, a money factor of 0.0026 adds around $200 a month in rent charge, and each 0.0001 step changes the payment by about $8. Infiniti Financial Services sets a base rate for each credit tier, and dealers can add a markup, so ask for the buy rate.
Infiniti Financial Services
Infiniti leases are generally written by Infiniti Financial Services, which is part of Nissan Motor Acceptance Company. It publishes the residual values and base money factors that dealers use, and it handles your account and the lease-end process. Infiniti sometimes offers a reduced money factor on selected models, so compare the rate on your quote with the current offers.
Comparing Infiniti SUVs for a Lease
- QX50 and QX55: the compact models, with the QX55 adding a coupe-like roofline. They have the lowest payments in the lineup.
- QX60: a three-row family SUV and one of Infiniti’s most popular models.
- QX80: the full-size flagship. Its high price makes taxes and the rent charge a large part of the payment.
- Q50: Infiniti’s sport sedan. If you find one in stock, compare its payment with the QX50.
How to Get a Better Infiniti Lease
- Settle the selling price first. On a luxury SUV, every thousand dollars off saves around $30 a month on a 36-month lease.
- Ask for the Infiniti Financial Services buy rate for your credit tier, and compare the money factor on the worksheet.
- Ask about loyalty offers if you drive an Infiniti or Nissan, and conquest offers if you drive another luxury brand.
- Check what is included in the cap cost and remove add-ons you did not ask for.
When the Lease Ends
At the end you can buy the vehicle, return it, or move into a new Infiniti. If you return it, expect charges for miles over the allowance and for excess wear, and a disposition fee unless it is waived because you are leasing or buying another Infiniti. A pre-inspection a month or two before the end gives you time to repair damage for less than the lease-end charge.
Sales Tax on an Infiniti Lease
Your state decides how leases are taxed. Most add tax to each monthly payment. In some states, tax on the entire lease is due at signing; in a few, it is charged on the full price instead. On an expensive QX80, the difference between methods can be several thousand dollars at signing, so pick the right one in the calculator.
What Is Due at Signing on an Infiniti Lease
Expect the first payment, the acquisition fee, the dealer documentation fee, title and registration and any cash down. Infiniti ads often show a low payment with a substantial amount due at signing. The calculator’s total cost puts offers side by side fairly.
Lease or Buy an Infiniti?
Infiniti models tend to lose value faster than some luxury rivals, which favors leasing. The lender takes the depreciation risk, the warranty covers a typical lease, and Infiniti lease cash often brings the payment well below a loan payment. Buying makes sense if you plan to keep the car for many years after the warranty ends. Compare the calculator’s total cost with a loan over the same period, minus the expected trade-in value.
Infiniti Versus Its Rivals
The QX60 is often compared with the Acura MDX, Lexus TX and Volvo XC90, and the QX50 with the Lexus NX and Acura RDX. Lexus and Acura usually have higher residuals, while Infiniti tends to offer bigger discounts. Put each quote into the calculator with the same term, miles and down payment, and compare the total cost.
Picking a Mileage Plan
Infiniti leases are often quoted at 10,000 miles a year. If you drive 13,000, the extra 9,000 miles over three years at 25 cents a mile adds $2,250 at lease end. Buying miles at signing is usually cheaper, so enter your real yearly miles in the calculator.
QX50 or QX55?
The QX50 and QX55 share most of their parts, but the QX55 has a sloping, coupe-like roofline and a higher price. The QX50 offers more cargo space and headroom for rear passengers. Because the QX55 costs more, its payment is usually higher, unless Infiniti puts more lease cash on it. If you like the QX55’s look, run both through the calculator with the same term and miles to see what the style really costs per month.
Leasing the Infiniti QX80
The QX80 is Infiniti’s full-size flagship SUV. Its high price means every part of the lease is bigger: the depreciation, the rent charge, the tax and the fees. A 0.0001 change in the money factor moves the payment by more on a QX80 than on a QX50, so the rate deserves extra attention. Large SUVs tend to hold their value better than smaller luxury models, which can help the residual. Compare the total cost with the Cadillac Escalade, Lincoln Navigator and Lexus LX in the calculator.
What Insurance an Infiniti Lease Needs
The lease will require comprehensive and collision coverage and liability limits above the state minimum. On a luxury SUV, insurance can be a significant monthly cost, so get a quote before signing. GAP fills the gap between what insurance pays and what you owe if the car is a total loss.
Extending an Infiniti Lease
If your next car is not ready when your lease ends, ask Infiniti Financial Services about extending the lease for a few months. Lessors often allow a short extension at the same payment, which avoids a gap between cars.
Ending an Infiniti Lease Early
Ask Infiniti Financial Services for a payoff quote, then compare it with a dealer’s trade-in offer. If the car is worth more than the payoff, a trade-in may cost nothing extra. An early turn-in without a trade usually triggers early termination fees.
A Note on the Numbers
The math here is the standard lease formula, so the result should line up with a correctly built dealer quote. Its default numbers are a sample to show how the math works. Type in the numbers from your own deal for a true estimate.
Frequently Asked Questions
Who finances Infiniti leases?
Infiniti leases are usually financed by Infiniti Financial Services, part of Nissan Motor Acceptance Company. It sets the residual values and base money factors.
Are Infiniti leases a good deal?
They can be. Infiniti dealers often discount, and Infiniti offers lease incentives on many models. Because luxury residuals tend to be lower, compare the total cost with rivals before choosing.
Which Infiniti is the cheapest to lease?
The QX50 usually has the lowest payment because it has the lowest price. Current incentives can change that, so compare models in the calculator.
How many miles do I get on an Infiniti lease?
Many luxury leases start at 10,000 miles a year, with higher allowances available at signing. Your agreement lists the allowance and the per-mile overage charge.
Can you haggle on an Infiniti lease?
Yes. Haggle on the price of the car first, then check the money factor against the buy rate and question every add-on. Residuals are fixed by the lender.
How does an Infiniti lease buyout work?
You pay the purchase price listed in your lease agreement, plus tax and any fees, and the car becomes yours. Many people finance the buyout with a loan.
How is an Infiniti lease payment calculated?
Subtract the down payment and rebates from the selling price, subtract the residual and divide by the term for depreciation. The finance part, called the rent charge, is the cap cost plus the residual times the money factor. Tax goes on top.
What is a good money factor for an Infiniti lease?
The base rate Infiniti Financial Services offers for your credit tier, or a promotional rate if one is offered. Multiply by 2,400 to compare with an APR.
Is the Infiniti QX80 a good lease?
The QX80 has a high price, so taxes and the rent charge are a large part of the payment. Leasing protects you from its depreciation, but compare the total cost with rivals first.
Can I end an Infiniti lease early?
Yes. You can pay it off, trade it in, or hand it back early, which normally costs an early termination fee. Ask for a payoff quote first.