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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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12 Reviews

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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.

2 months ago

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Aaron Anderson

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

3 months ago Edited November 20, 2023

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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.

9 months ago

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

5 years ago


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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.

5 years ago

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Kathleen Coulter

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

5 years ago

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Theresa Miller


5 years ago