Lexus Financial Services is a leading lender for new and Pre Owned vehicle financing. Lexus has two unique options when considering the lease or finance of your vehicle. When financing a Lexus, for every $1,000 Down Payment or Trade in value, your interest rate is reduced by 0.1%. This can even be used to bring your interest rate to 0%. If you choose to lease your Lexus, you can reduce your interest rate by making up to 9 refundable Security deposits for 1.8% reduction in your interest rate. For Example: Basic Interest rate 3.9% 9x$500 =$4,500 Security Deposit, effective interest rate 2.1%.