Infiniti Financial lies, adds false charges, and are completely incompetent. They lost my payment, I proved they lost it when they cashed it weeks later. They still charged me a late fee and ruined my absolutely perfect credit. I sent them all of the proof to remove it and they keep saying it was a different month or that they have no idea why I am charged etc. They have lied repeatedly and I am considering legal action to have my credit fixed at this point as they have left me no other choice. They do not care about their customers and will lie to raise your interest rate.