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Nissan Financial

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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%+


  • 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.


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.


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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