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
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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 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.
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.