Nissan Motor Acceptance Corporation
Nissan Motor Acceptance Corporation Unaffiliated

Nissan Motor Acceptance Corporation

SuperMoney Net Recommendation Score -83  


This product is strongly not recommended by SuperMoney users with a score of -83, equating to 1.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Credit Score Range 650 - 850
Loan Amount $10,000 - $150,000
APR  (Fixed APR) Starting at 1.9%
Loan Term (Months) Up to 75 months
Number of Reviews 110

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 Motor Acceptance Corporation 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 penatly 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. Nissan Motor Acceptance Corporation only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members are eligible to apply for a loan via Nissan Motor Acceptance Corporation. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Nissan finance?

Nissan finance will typically approve (or deny) a car loan application within 1 hour and fund the car loan within 1 business day of approval.

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 42 years. Nissan Motor Acceptance Corporation are 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: 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

Nissan Motor Acceptance Corporation (NMAC), with operations based in Irving, TX, provides loan, lease, and commercial financing in the U.S. The primary funding sources for NMAC include a combination of securitization, unsecured debt offerings, commercial paper, and bank loans.

MyNISSAN Owner Portal is your vehicle's online home, where you can access model-specific information designed to enhance your ownership experience. If so equipped, you can manage your NissanConnect Services and NissanConnect EV subscription through your MyNISSAN account.

The MyNISSAN App gives you convenient access to important information about your vehicle from a smart device. Locate your nearest Nissan dealer, schedule your next service, find vehicle-specific quick guide videos, and view your vehicle service history.

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.


About Nissan Motor Acceptance Corporation


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Prepayment Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Maximum Vehicle Age 6
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
Credit Score Range 650 - 850
APR Type Fixed APR
Loan Amount $10,000 - $150,000
APR (Fixed APR) Starting at 1.9%
Loan Term Up to 75 months

Nissan Motor Acceptance Corporation Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -83, equating to 1.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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