My Take: Found something interesting on the QX56. Infiniti’s rates are actually higher than those of third party banks. I won’t bother to calculate the payments since I think this SUV is way too expensive to actually lease, but I will post the numbers. You can do some comparison yourself by visiting Leasecompare.com.

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Lease Rates through IFS

2008 Infiniti QX56 2WD
24 Month – Residual 45% of MSRP – .00280 Base Rate
36 Month – Residual 37% of MSRP – .00280 Base Rate

2008 Infiniti QX56 AWD
24 Month – Residual 45% of MSRP – .00280 Base Rate
36 Month – Residual 38% of MSRP – .00280 Base Rate

Lease Rates through third party

2008 Infiniti QX56 2WD
36 Month – Residual 37% of MSRP – .00261 Base Rate

2008 Infiniti QX56 AWD
36 Month – Residual 38% of MSRP – .00261 Base Rate

FINAL THOUGHTS: The 36-month lease hits the sweet spot, with the same residual as IFS, but a lower money factor. So what are the disadvantages of leasing through a third party bank? Possible disposition fee and lack of GAP coverage (in most cases). You can compensate for the lack of GAP coverage by purchasing it through your insurance company.

Calculate your own lease payments with my LEASE CALCULATOR (requires MS Excel)

Check out THE LIST to see how this car ranks among other models

Rates provided by Tarry Shebesta from Leasecompare.com