Name: Nissan Financial
Rating: 3.6

LAST UPDATED: December 8th, 2023

Nissan Finance, or Nissan Motor Acceptance Corporation, is the Nissan car company's financing division. Consumers can get payment estimates, local dealer quotes, and a trade-in estimate through the Nissan website. Shoppers can get pre-approved online to speed up the shopping process and get in contact with a local dealer carrying the model they want.

Special rate offers, like 0.0% APR and bonus cash offers are available; however, they depend on your approval and your geographical location.

Shoppers can choose to buy or lease with NMAC. With two basic plans: Nissan SignaturePURCHASE and Nissan SignatureLease.

SignaturePURCHASE for new and pre-owned Nissans:

Terms 12–72 months
APRs: 4.54%–17.9%+

SignatureLEASE:

Terms: 24–60 months

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The Good

Low Rates
Special Savings

Low Rates

For well-qualified buyers, Nissan offers good financing terms and the option to buy or lease. It also offers special deals with 0 percent financing for certain terms, if you meet the requirements.

Special Savings

Nissan offers special savings programs for college grads and military personnel. If this sounds like you, you can print out a certificate online and bring it with you to the dealership.

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The Bad

Not Meant for All Credit Types
Co-Applicant Applications
Need More Information

Not Meant for All Credit Types

When you look into financing options through Nissan's payment calculator, the lowest credit rating bracket offered is Poor (600–619). So, while many buyers will be well-served by this program, if your credit score is less than 600, its probably going to limit your financing options. You probably won't get approved without a co-signer.

Co-Applicant Applications

If you want to apply with a co-signer, you have to do it at a Nissan dealer. Only single-applicant financing is available for pre-approval online.

Need More Information

At this time, we need more feedback from customers before we can recommend this financing company.

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The Bottom Line

Nissan offers financing and lease options for customers with a variety of credit ranges, but no promises if you are below 600.

Have you bought or leased a car through NMAC? What was your experience like? Let us know with a quick review below.

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User Reviews

Star Rating

3.6

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12 Reviews

Review Breakdown

5 grade

58%

4 grade

3 grade

2 grade

1 grade

33%

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Quality

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peggy cherry Fayetteville, NC

The best financial comapny I have had, Whenever I do a trade in or a new purchace the process is simple. They already have your preapproval in your file, so you already know what yu are working with.

1 year ago

Kelly Branch Bryan, TX

I have got three cars from this company, They will do everything they can to help you. They give you 2 extentions a year. and will help you with everything.

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Tom Jefferson, OH

My wife and I recently purchased a Nissan Sentra. We love the car, but we made the mistake of financing it through Nissan Financial. They are a disaster. Every month when I go to make a payment I have problems logging on. I have called repeatedly and it doesn't help. They told me to try a different browser and it worked once. Next month same problem. I have tried several different browsers on several different computers and they all have the same problem. Their web site sucks. By all means by the Nissan, but finance it through a bank with a competent I.T. department. The people at Nissan Finance couldn't find their butt with both hands tied behind their back.

2 years ago

Niaha Hampton, GA

If only I could give a -0. This is by far the absolute worse lender I have ever worked with. It's like they make it extremely difficult to have simple questions asked. They seem to intentionally give customers a hard time. Worse service ever. These people barely understand English so leaning on them to help you fill out a applications or any of their paperwork is NOT a good idea and a an absolute waste of time.

Nissan Stinks Sherman Oaks, CA

What a JOKE!!! I have an Infiniti (2nd one) and it is leased thru Nissan/Infiniti. Anyway, I went to trade in the car on a competitive brand and Infiniti will no longer allow you to trade your car in (have the other dealer payoff and buy the car). I have leased for over 30 years and never had a problem trading in car at a different dealer/brand. They said I have to buy the car, register it and pay sales tax then trade to the new dealer and pay another tax and registration for the new car. PATHITIC COMPANY!! No wonder nobody wants their cars any longer. Soon to go the way of the Edsel.

3 years ago

Charles Bithos Chicago, IL

Nissan Financial web site does not work. I tried to build my account with them and their Regenerate verification link to setup the account does nothing for hours. When it does send the link to your email so much time has passed it is so old they did not accept it. When I tried to chat with with them only their computer chat answered which could not fix the problem and when I want a person no one is available. I have wasted hours trying to build the account wish I never have to do anything with them on idea how I will pay my loan when they con do their end so I can build the account.

Anonymous

Everything is online and seamless. I am able to access my car information easily without any hassle. Paying is a breeze.

6 years ago

Melissa Reinoso Herriman, UT

My parents are paying for my husbands car at the moment with Nissan. They have been nothing but nice when I call to check the amount that is due and so forth.

Aaron Anderson

Helpful and friendly staff. Bought 2 cars from them and had an excellent experience both times. Reliable cars

1 year ago Edited November 20, 2023

Kathleen Coulter

I pay my bill on time, they send me notices thru my bank, their service is great

Theresa Miller

GREAT CUSTOMER SERVICE. EASY PAY ONLINE

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Ralph Langstadt

they keep sending my bill to my old address