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Last Updated: 04/18/2025
Nissan Motor Acceptance Corporation
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -82
Strongly not recommended108 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$10,000 - $150,000
Disclaimer popup with additional information
APR (Fixed APR)
Starting at 1.9%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Loan Term (Months)
Up to 75
Number of Reviews
Nissan Motor Acceptance Corporation Review
Nissan Motor Acceptance Corporation is offered by Nissan Motor Acceptance Corporation, a financial services company founded in 1981 and based in Dallas, TX. Nissan finance are available in 50 states and Washington, DC.
Nissan finance FAQ
How much can you borrow via Nissan finance?
Nissan finance loan amounts start at $10,000 and go up to $150,000.
What APR does Nissan finance offer on its car loans?
Nissan finance offers a fixed apr car loan product that ranges from 1.9% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Nissan finance?
Nissan finance has car loans with a maximum term of 75 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Nissan finance charge an origination fee?
Yes, Nissan finance may charge a loan origination fee .
Does Nissan finance charge a late fee?
Yes, Nissan finance charges borrowers with a late payment penalty fee
Does Nissan finance charge prepayment fees?
No, Nissan finance will not charge you a fee for paying your loan early. Whenever possible choose lenders like Nissan finance that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Nissan finance loan?
Yes, you can. Nissan finance does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Nissan Motor Acceptance Corporation?
Applicants with a credit score of at least 650 and up to 850 may be eligible for Nissan Motor Acceptance Corporation. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Nissan Motor Acceptance Corporation does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Nissan finance?
Nissan finance will typically fund the car loan within 1 business day of approval.Does Nissan Motor Acceptance Corporation perform a hard credit pull?
Yes, Nissan finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Nissan Motor Acceptance Corporation a legit company?
Nissan Motor Acceptance Corporation was founded in 1981, it is a well-established company that has been in business for 45 years. Nissan Motor Acceptance Corporation is strongly not recommended by SuperMoney community users.
Nissan Motor Acceptance Corporation Disclosure: "The actual rate you qualify for may vary based on your credit."
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Nissan finance
Message from our editor
What we love about Nissan Motor Acceptance Corporation
Nissan Motor Acceptance Corporation is an indirect lender that helps people finance or lease Nissan vehicles. It purchases loan and lease agreements from its partnered dealers for both new and used vehicles. Even though the company doesn’t lend to customers directly, it offers a useful website that contains resources and tools that you can use to choose the right vehicle for your needs.
Working with Nissan Motor Acceptance Corporation brings a variety of perks, including discounts for recent college graduates and military members, a certification program for used vehicles, and grants to help mobility-impaired buyers outfit their cars to meet their needs.
What could Nissan Motor Acceptance Corporation do better?
Nissan Motor Acceptance Corporation doesn’t work directly with borrowers. It is an indirect lender that buys loans and lease agreements from car dealerships, so you’ll have to work with your local dealership to get a financing offer. That means no quick and easy prequalification process over the internet. It also means that you’ll have to work with the companies selected dealership if you want to get financing through Nissan Motor Acceptance Corporation. You may not be able to work with your preferred dealer and may have trouble doing as much comparison shopping as you normally would.
Another drawback is that the company only finances Nissan vehicles, so if you want to buy a different type of car, you’ll have to work with another lender.
Nissan Motor Acceptance Corporation ‘s backstory
Nissan Motor Company was founded in 1933 and is one of the largest automakers in Japan. The Nissan Motor Acceptance Corporation is a subsidiary of Nissan Motor Company and has been helping customers finance Nissan vehicles since 1981.
The Verdict
Nissan Motor Acceptance Corporation offers good financing deals and some nice perks for certain car buyers, but its restrictions can be annoying. If you want to buy a Nissan and already planned to shop at an approved dealership, there’s little reason not to consider the company’s loan and lease options. Otherwise, consider another lender.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -82, or 1.4 on a 5-point rating scale.
-82
-1000+100
No one recommends
Everyone recommends
Nissan Motor Acceptance Corporation Community Reviews
Would you recommend Nissan Motor Acceptance Corporation to your friends?
KV
Kristy V.
May 25, 2024
May or may not recommend
They charge a high deposition fee to turn in your lease and charge tax on it as well. They will burn you on trying to buy out your lease making you pay over full price from when you first lease it but yet it’s value at the dealership is 12-16 k under and then you end up with negative equity my advice to anyone with a Nissan lease turn it ...Show More
LN
Larry N.
May 20, 2024
May or may not recommend
I could not get into their website. When I called, I was transferred four times and on hold for over an hour and one half. The last representative I spoke with told me to go to website and just did not want to listen when I told her I could not access website. Nissan should be ashamed to call what they provide customer service.
Priscilla E.
May 30, 2023
May or may not recommend
Customer service people aren’t worth anything. They’ll interrupt you in the middle of trying to explain issues, won’t attempt to solve anything. They need to hire people who will actually work, not just anyone with a pulse.
MS
Maryna S.
Apr 24, 2023
May or may not recommend
On April 24 around 4 pm I called Nissan about my lease buy out that I did 2 month ago and still didn’t receive my title due to Nissan mistake , they didn’t put correct amount that was provided by my bank on a check for two month they been investigating they basically were short due to their own mistake I send a copy of the check with correct amount ...Show More
JC
Jimmy C.
Jan 20, 2022
May or may not recommend
Useless customer service. Called on 1/20/22 around 12:35 EST to inquire about a title transfer. The system was allegedly down. The representative I spoke with, rather than help me, hung up on me after I asked him to assist me with my concerns. Completely unprofessional. Despite my 10+ years with Nissan, this will be the last time I purchase a vehicle with Nissan. Absolutely tired of the unprofessionalism.
Rajasekaran M.
Jan 15, 2022
May or may not recommend
I’m really disappointed the way Nissan Finance manage the registration with DMV when you lease with them, their Title team is really poor and they made customer in trouble by not properly do the paper work with DMV which ended with renewal of registration got blocked and you can’t get the sticker on time. No proper response by customer service team even after multiple times approached and explained the problem. ...Show More
EG
Elizabeth G.
Dec 29, 2021
May or may not recommend
There is still a collection balance on my credit from 2016. I returned the car and no longer have it, but they still have an account on my credit report. They just reopened the old account so my credit dropped drastically! I am furious!
U
Anonymous
Sep 7, 2021
May or may not recommend
They did not process my last payment that I was set up on autopay. I did not find out that they did not pull the last payment until it was 30 days late and I was notified by my credit monitoring company that I had a payment 30 days past due. I called Nissan and they said that they dont pull the last payment on any auto draft ...Show More
TM
Timothy M.
Jul 7, 2021
May or may not recommend
Nissan Acceptance is terrible.. I wouldn't recommend them to my worst enemy.. they won't work with me on anything nothing.. They also lied to me..It's really sad..
U
Anonymous
Jun 9, 2021
May or may not recommend
I paid off my Nissan Frontier in March of this year. It is now June and still no title. I waited 6 weeks and called them. They sent a lien release. A lien release is not a title. I called again and they told me they said they would send a duplicate title overnight FedEx and gave me a tracking number. It didn't arrive. I called again and asked ...Show More
JV
Jesus V.
Apr 14, 2021
May or may not recommend
Worst costumer service ever, i have almost paid a car that I finance with them, and now in times of covid 19 where times are difficult for everybody 10 days have not pass by from the payment and they are harrasing me with calls, and the representatives extremely rude, when i began the loan with them they gave me a extremely high finance rate, the whole buying process seems a ...Show More
Wayne C.
Feb 9, 2021
May or may not recommend
Leased a 2017 rogue, lease was set to expire Nov 2020, I called and was told to have bank send cashiers check for X amount. Bank said that cannot be done as I was buying from checking account not loan. NMAC then said to send Cashiers check and odometer statement (printed from their website) to Texas address which I did prior to lease expiration. Two months later NMAC returns my ...Show More
U
Anonymous
Oct 23, 2020
May or may not recommend
Nissan / Infiniti Financial Services - Purpously Reporting Customers and Destroying Credit History - Stay as Far Away as Possible!!!!!
So this Nissan / Infiniti finance is in the business of destroying customer's credit history more than lending money and carrying about consumer loyalty to the brand they represent! I've been fighting with them, asking to remove 30 days late notice on my credit report when in reality, my check did ...Show More
David B.
Jun 2, 2020
May or may not recommend
Do not trust Nissan financial. They use bill matrix. Bill matrix doesn't report payment on time. Nissan doesn't check into the problem . Bill matrix had $1,200 worth of payments. Three months worth and didn't provide this information to Nissan. Nissan came and took the car, and I had no car to get to work so I lost my job. A woman from Nissan ...Show More
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Anonymous
May 4, 2020
May or may not recommend
Had vehicle financed through them, traded it in. Dealer sent payoff check but it was only deposited for $42 instead of $42,000!!! Now Nissan is charging late payment fees, additional interest, and reporting late payment to credit bureau. It is all their fault and trying to work with them to get it fixed has been a daily night mare!!!! Still not fixed a month later!
JB
Jill B.
Apr 6, 2020
May or may not recommend
I started a bbb complaint with Nissan Auto loans this year(2020). They refused to answer after 2nd time when I caught them twice lying in writing. Two people wrote on separate occasions that "any excess over the amount of the contracted loan will be applied to principal.." but they sent me the amortization pages from my loan that shows 30a (their own code for regular payment applied). It also showed ...Show More
Jason F.
Mar 6, 2020
May or may not recommend
Once you get even a day behind, the calls start -every day, nonstop at 8 in the morning. I literally just made a payment of over $200 to help get caught up, and still I get very ignorant reps calling and being insulting, because I'm not completely caught up, but not even 30 days late.
BK
Belinda K.
Feb 26, 2020
May or may not recommend
I got robbed literally by Peacock Nissan.I was sold on Dec 3 a Sentra S 2019 was told it was brand new it was not it had 2788 miles on it had 9 iPhones bluetoothed to it that I had to remove wout a manual. never got the 2nd key I tried to return the car the 2nd day then again on the 3rd day again a week ...Show More
A. W.
Feb 25, 2020
May or may not recommend
Leased new Infiniti QX70 in 2017. Never missed a payment, or late. Reported as 30-day late to credit bureau 2 months before lease ended because the local sales tax had changed from 6% to 7%, and even though I made the payment, I was $5.38 short. Never knew the rate changed! I am paperless, and make automatic payment. Why would I imagine that my payment would change when I entered ...Show More
Dj B.
Feb 2, 2020
May or may not recommend
They are a snake of a company. I co-signed a car for someone who traded a car in, and after so a late payment was reported to the credit. I knew nothing about any missed payments , but my score was dinged -and when I contacted them I was rudely told they didn’t have to tell me anything or inform me that a payment was late.
Showing 20 of 108 reviews