INFINITI QX80, November 2026

INFINITI is offering 0% APR for 60 months on the 2027 QX80 through January 4, 2027, for well-qualified buyers who finance through INFINITI Financial Services. INFINITI's example is $16.67 a month for every $1,000 financed. A $3,000 IFS APR Bonus comes with it: INFINITI says the bonus combines with IFS special and standard APR, and not with an IFS lease.

The alternative is a $9,000 Retail Bonus, which INFINITI says cannot be combined with IFS special APR or special lease offers. INFINITI's terms do not say whether the $3,000 bonus combines with the $9,000, and the $3,000 requires IFS approval. For a buyer financing elsewhere, the choice is $6,000 more in cash against five years at 0%. All three offers apply to new retailer stock, carry residency restrictions, and end January 4, 2027.

INFINITI redesigned the QX80 for the 2025 model year, so the 2027 is the third model year of this generation. Its Nissan twin is the Armada, sold outside the U.S. as the Patrol. On each maker's published 2027 specifications, the QX80 is about 14 inches longer than the Lexus GX 550, at 211.2 inches against 197.05, and makes 450 horsepower to the GX's 349. The GX tows more: up to 9,096 pounds against the QX80's 8,500.

Build & Price shows no cash beyond the offers page. On the lowest-priced build of each trim, at a San Diego County ZIP and a San Francisco ZIP, the price with the $2,275 destination charge was the same at both.

That is our arithmetic on INFINITI's terms: the full Build & Price total financed over 60 months, less the $3,000 bonus on the 0% route and less the $9,000 on the cash route, with each rate rounded down. Experian's Q2 2026 data puts the average new-car rate at 4.41% for super prime borrowers, scores of 781 or above, and 6.15% for prime, 661 to 780. At either average, 0% costs less on every trim we priced. The cash route comes out ahead at the super prime average only when less than about $57,600 would be financed at 0%, and at the prime average below about $42,500. On the PURE 2WD, that means putting down more than about $27,200. A buyer paying cash takes the $9,000.

Options raise the amount financed, and the more a buyer finances, the lower an outside rate must be for the cash to win, so 0% holds its lead on builds above each trim's lowest price.