How Finance Decisions Are Made

Daytona INFINITI works hard to make sure that each of our customers gets the financing package that meets their needs. Not just approval, but making sure that you receive the best rates and terms we can find. Our transparent process of financing keeps you in the loop and informed of every important aspect of the transaction.

We work for instant, on the spot financing. In determining how quickly we can get the job done we look at the following factors:

1. Vehicle: Make, model, year.
2. Personal Information: Income, employment history, length of time in residence.
3. Credit History: Information from credit reporting agencies.
4. Down Payment: How much you will be borrowing.

Each of these four items goes towards the final financing decision.

Factors Affecting Your Monthly Payment

Considering how much monthly investment your new or used INFINITI will require depends on the following three factors:

1. The amount of your loan.
2. The length of your loan.
3. The APR of your loan.

In the table below you can see how, amount financed, length of loan, and APR affect your monthly investment:

Credit Score

Credit is greatly affected by how high of a score the major credit reporting companies place you in their rankings. As with any loan, the better your credit ranking, the better rate you will be able to receive and along with more favorable terms.

The major benchmarks are between the numbers 350 and 850. The closer your report puts you towards the 850 benchmark the more favorable options you will have to choose from. It's all risk management from the lenders point of view, and the higher your benchmark number, the better risk you represent to the lender. You are rewarded for being a good lending risk.

Factors influencing your number include:

• Timely payment history
• Current debt load
• Number of open lines of credit
• Number of recent credit inquiries
• Judgments or liens on file for you

Credit Challenges

Often times one or more of the above factors has a negative influence on our customers' ability to receive the most favorable terms and rates. We understand that even among the most credit savvy individuals, sudden job loss or changes occur, emergency expenses happen, and issues out of your control create unwanted situations in your life. That's where our finance professionals can help the most.

Our team has a vast array of resources they can call upon to help you work past any issues you may be experiencing with your current credit situation. Quickly and professionally, our financing group will address the issues that are affecting your approval. Once properly complete, you'll receive all the options available to make your choice.

Making the Fit

The mission we pride ourselves on here at Daytona INFINITI is to deliver exceptional customer service. It isn't that we are selling cars, we are building relationships. We value the opportunity to service your financing needs for your next new or used INFINITI purchase.

Working with you we are sure that you will be satisfied with our ability to create a financing package that meets your demands. Feel free to give us a call at 888-708-1390 to find our more information, or stop in the showroom so we can meet in person.