Infiniti no longer sells new cars in the UK, but its used models still attract buyers looking for premium equipment without the price of a newer German executive car. Infiniti car finance is therefore a used-car decision, with funding shaped by the vehicle’s age, mileage, value and the lender willing to support it.
Enjoy Finance explains vehicle funding and links to third-party providers. We do not provide finance directly, and the website contains affiliate links.
How does Infiniti car finance work?
There is no current manufacturer-backed UK finance programme for new Infiniti cars. Infiniti ended its European commercial activities in March 2020, so buyers now arrange finance through dealers, banks or independent vehicle-finance providers.
The exact car matters. A later Q30 may meet more lender criteria than an older, higher-mileage QX70, and the available term can change with age and value.
Hire Purchase can suit the current Infiniti market
Hire Purchase is a natural fit for many used Infiniti buyers because it works towards ownership without relying on a large future-value calculation.
You normally pay a deposit and then make fixed monthly repayments over an agreed term. Once the required repayments and any applicable purchase fee have been made, the vehicle becomes yours.
There is no Optional Final Payment and no PCP-style annual mileage limit tied to returning the car. That can make HP useful for someone buying an Infiniti they expect to keep for several years.
Read What is HP Car Finance? for a wider explanation of the structure.
Why PCP can be less straightforward on an older Infiniti
Personal Contract Purchase can still be available through some independent providers, but it should not be assumed.
PCP depends partly on the lender setting an expected future value for the vehicle. With a discontinued brand and a used range that can now be several years old, lenders may apply tighter age, mileage or value limits.
If PCP is available, compare the deposit, monthly payments, annual mileage allowance, Optional Final Payment and total amount payable. The ability to return the vehicle at the end can be useful, but only if the agreement terms suit how you expect to use the car.
How does PCP Finance work? explains the mechanics in more detail.
Q30 and Q50 buyers are looking at different cars
The Q30 is one of the more accessible routes into Infiniti ownership. As a premium compact hatchback, it can appeal to buyers comparing older Mercedes-Benz A-Class, BMW 1 Series or Audi A3 models.
The Q50 is a larger executive saloon with different engines and running costs. Hybrid versions also appear on the used market.
When comparing Infiniti car finance across these models, use the price and condition of the exact vehicle rather than a generic monthly example.
QX models need a wider running-cost budget
Infiniti also sold larger SUVs including the QX30 and QX70. These can offer a lot of equipment for the purchase price, but a low used value does not automatically mean low ownership costs.
Tyres, brakes, insurance, fuel and replacement parts can cost more than buyers expect from the monthly finance figure alone. Larger engines and four-wheel-drive systems can also change maintenance costs.
Before taking Infiniti car finance on an SUV, build those costs into the same monthly budget as the repayment.
Low used prices can make the interest rate misleading
One reason used Infinitis attract attention is that depreciation has already reduced many examples to relatively accessible purchase prices.
That can make a premium specification available for much less than an equivalent new executive car. A low purchase price should not be confused with cheap borrowing.
Independent used-car rates depend on the lender, applicant and vehicle. Compare APR, fees and total amount payable rather than assuming one rate is “normal” for Infiniti.
What is a good car finance rate? gives more context on comparing borrowing costs.
A personal loan can be worth comparing with secured car finance
For lower-value used cars, a personal loan may provide another route.
With a standard unsecured personal loan, the borrowing is separate from the vehicle purchase. That can give you more freedom over where you buy the car, although eligibility, interest rates and borrowing limits depend on the lender and your circumstances.
Car Loans explains this option in more detail.
Infiniti still provides UK servicing support
Infiniti may have stopped selling new cars here, but official ownership support has not disappeared.
The manufacturer still lists an authorised UK maintenance network for servicing, repairs, warranty work and genuine parts. Current locations include centres operated by established Nissan and dealer groups around the country.
That is useful when considering Infiniti car finance because discontinued-brand ownership can raise questions about maintenance and parts availability.
Before buying, check where the nearest authorised repairer or suitable Infiniti specialist is located and review the service history carefully.
Check the history before financing a discontinued model
Condition matters particularly strongly when buying an older premium vehicle.
Review the MOT history, service record, mileage, tyres, brakes and evidence of previous repairs. Check that electrical equipment, cameras, infotainment and driver-assistance systems work correctly.
The Car Finance FAQs section covers broader questions around applications and finance types.
Focus on ownership value rather than old new-car pricing
An Infiniti can make sense for someone who wants an unusual premium used car and plans to keep it. The brand’s UK exit means the decision should be based on today’s vehicle condition, finance cost and ownership support rather than what the car cost when new.
Before choosing Infiniti car finance, compare the deposit, APR, agreement length, monthly repayment, fees and total amount payable. If PCP is offered, add the mileage rules and Optional Final Payment to that comparison.
Enjoy Finance provides information about vehicle funding and may link to third-party providers. Any quote, application or agreement is supplied by the relevant third party and remains subject to its own eligibility, affordability checks and terms.
FAQs
Can I still finance an Infiniti in the UK?
Yes. Infiniti car finance can be available through independent lenders, dealers and banks even though the manufacturer no longer sells new cars in the UK.
Does Infiniti still offer manufacturer finance?
There is no current UK new-car finance programme because Infiniti stopped new-car sales in Europe in 2020. Existing historic agreements remain governed by their original lender and contract terms.
Is HP a good option for a used Infiniti?
HP can suit buyers who want to own the car and do not need a return option at the end. Compare the APR, term and total amount payable with other borrowing routes before deciding.
Can I get PCP on an Infiniti?
Potentially. PCP availability depends on the provider and the exact vehicle. Age, mileage and expected future value can limit whether a lender is willing to offer it.
Can Infiniti cars still be serviced in the UK?
Yes. Infiniti continues to operate an authorised UK maintenance network for servicing, repairs, warranty work and genuine parts despite ending new-car sales.
