Features

Nissan Motor Acceptance is the auto financing branch of Nissan North America. The division offers two main options for financing a Nissan vehicle. The first option is the SignaturePURCHASE from Nissan, which offers competitive loan rates and terms from 12 to 75 months for new or pre-owned vehicles less than six years old. The second option is SignatureLEASE from Nissan, which offers terms ranging from 12 to 60 months. Pre-approval for either option is available online. Customers can also manage their accounts and make payments online with the NMAC Finance Account Manager. More information on specific auto financing is available at Nissan dealers throughout the U.S. Customer service is available online, over the phone, and with Nissan dealers nationwide.

  • Loan Amount
    $10000 - $150000
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • APR
    Starting at 1.9%
  • Max Loan Term (Months)
    75
  • Credit Score Range
    650 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Maximum Vehicle Age
    6
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent bank statements
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • Approval Speed (Hours)
    1
  • Deferred Payments
  • Joint Loans Available
  • Funding Time
    Same day
  • Credit Bureau Reporting
  • Institution Type
    Other
"The actual rate you qualify for may vary based on your credit."
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0 votes

Towards the very end of my 5 year loan, NMAC emailed me to get more details about my bank account and i missed their email because it went to my junk folder. The bank account was find and up to that point my payments were made on time with no problems. For some reason NMAC didn't accept my last two payments and reported me to the credit bureau. I called and pleaded but although it's not really my fault they refused to correct this and it has caused my credit ... score to go down, right when i am looking to buy a new house. No more Nissan cars, i guarantee you that they don't care about their customers. More Less


0 votes

After being in the Hospital for over 2 Months and no one in Family to help. I fell behind in payments for 2 Months after realizing that my companies Insurance that was supposed to cover my payments while Hospitalized was cancelled by my company, I contacted the Nissan to pay because it was never a money Issue and to see that if based on my Hospitalization they could not report it to my credit company being that all the other companies (credit card) did Nissan was the only one that ... basically told me that it was not their fault and they would do nothing about it.

I contacted Fred Diaz at 615-725-1000 Division VP of Nissan Sales and left 3 Messages with his assistant ( Karen Paine) and never heard back. I also contacted Jose Munoz at same numebr he is the Executive VP for Nissan and left a message with his assistant (Judy Lots) and left 2 messages never heard back, on the 3rd time i called her she had another customer service rep that gave me the finance department and once again I was told that it was not their fault so therefore they "would" not do anything about it. I also contacted the people below and no one returned my call or even sent me an email.

'carlos.ghosn@mail.nissan.co.jp'; 'kent.ohara@nissan-usa.com'; 'jose.munoz@nissan-usa.com'; 'fred.diaz@nissan-usa.com'; 'dan.bedore@nissan-usa.com'; 'gina.pasco@nissan-usa.com'; 'jeannie.whited@nissan-usa.com'; 'kyle.torrens@nissan-usa.com'; 'wendy.orthman@nissan-usa.com'; 'tim.gallagher@nissan-usa.com'; 'steven.oldham@nissan-usa.com'; 'wendy.payne@nissan-usa.com'; 'steve.parrett@nissan-usa.com'; 'Brian.Brockman@Nissan-USA.com'; 'vicki.smith@nissan-usa.com'; 'Parul.Bajaj@nissan-usa.com'; 'darla.turner@nissan-usa.com'; 'steve.yaeger@nissan-usa.com'; 'fred.diaz@nissan-usa.com'; 'jose.munoz@nissan-usa.com'; 'kent.ohara@nissan-usa.com'; 'carlos.ghosn@mail.nissan.co.jp'

DO NOT BUY NISSAN they could care less about you or your family. all these complaints can't all be wrong.
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0 votes

Moved to a new state and the previous state continued to charge me taxes on a leased vehicle. I contacted the state and was told reimbursement checks had been sent to Nissan. Nine months later still no credit to my account. We have received nothing but excuses and lame reasons as to the poor accounting practices. This is to say nothing of the long wait times when trying to contact them. No more!

0 votes

ZERO STARS!!!!!!!!!!!!!!! Nissan Motor Acceptance Corporation - thank you for NOT WORKING WITH ME EVEN THOUGH MY CAR WAS STOLEN ON JANUARY 10. Even though my insurance company paid them over $19,000.00, they have reported me as 60 days late to the credit bureaus. My car was stolen on January 10, I had a payment due on January 14 and it is now February 16 and you reported me 60 days late. What kind of math do you rely on? I was told by your representative that ... I had 30 days to pay the balance due from the shortage of the insurance payment, yet somehow you saw it fit to screw me over once again. I got screwed by the thieves who stole the pathfinder and once again by you. My name is Arlene Angela Small, and needless to say, I would never ever go through NMAC again. Thanks for nothing. More Less


0 votes

I am so appalled that they have a fee for paying the car payment online. All other car dealers allow this without an outrageous $12.95 fee. Really guys? You could really offer a service without a service charge for your customers. Now I will continue to send payment by snail mail cause it is simply highway robbery.


0 votes

I been with nissan foe 10 years unfortunately i have money problems 3 years ago so they give me a extension of 3 months without payment in at the end of the contract is was going to be added now this ia the last Payment in they are charging me 1000 dollars charge for the extension so i call then ans they said is the interest for those 3 months so if you do a estension make sure you ask about that don't get suprise in the end


1 votes

I have been doing business with NMAC for over 20 years financing 8 different cars I had no problem so far. Keeping my finger crossed.


0 votes

Been financed with Nissan for the past 8 years with 4 different vehicles. Trying to trade in our Sentra for a Pathfinder as our family has grown, but Nissan is unable to help or give us a reasonable finance rate. The highest rate we've ever had was 2.9% and in the 8 years we've only had maybe a handful of late payments. One vehicle is paid off. Our credit right now could be better , but how are they not able to take into consideration that ... we've been good loyal customers? The lack of appreciation has definaltely pushed us away. Goodbye Nissan ????. More Less


0 votes

NMAC is totally the worst I've been waiting on a paid off letter from them on my lease which was a total loss and I spoke to a Michael Wray.

I asked for the letter so he emailed me something that had nothing todo with my Vehicle then I call back and he send me to voicemail.


0 votes

NMAC is one of worst & irresponsible department. They never say the exact status of any request made to them. They speak very unprofessional over phone and work very unprfessional. I would never recommend NMAC to anyone.


0 votes

i got a little behind due to health problems and not being able to work! Calling these ppl made my problems even worse. First I couldn't understand any of them second they were just rude and ugly the whole conversation and could care less what you are trying to pay. Theres no need in being so rude!!!!! This will be the last Nissan I ever buy that's for sure! I really wish I would had read all these reviews before hand or there would had been no way I would ... had any dealing with them. They need to under stand things happen and no one can help it. and no one knows that they will happen. believe you me if I did I would had never got my self into a payment More Less


0 votes

I have two vehicles financed with NMAC. To my Nissan dealer I'm a VIP., having purchased four vehicles in the past 7 years. I became disabled and now trying to avoid having one car re-posessed. I got behind, but I'm making monthly payments and the person assigned to my account is Hell bent on re-possesion. He will not discuss any option short of paying the current past due amount. I realize my responsibility, but I believe NMAC falls short in their Customer Service Department. (This ... is my only complaint in 7 years, but it's a show stopper.) More Less


0 votes

I really don't know if anyone actually works there. Been on hold for 2 hours and 11 minutes now. I'm literally just staying on the phone to see how far this goes. I'm trying to make a payment and I'm pretty convinced that nobody will actually pick up the call because paying online charges you a $12.95 charge so why would they pass up this opportunity to make some extra money?


0 votes

Called them already more than half hour and still nobody pick up, that sucks!


0 votes

Been dealing with them over two years. Bought a new car in June 2013 and was financed through NMAC. Sent them first payment and check was returned Sent payment again and check returned. Called and was told car was paid off so they couldnot accept payments. Explained how i sent payments and you returned them.My account balance showed 0. Each month i called and was given the same story . Finally asked for title which was 13 months later and they said title was in Pittsburgh. After several calls still ... no progress. Finally in month 14 they called and said i was behind in payments. I informed them of there error and they agreed a mistake was made on their part but they needed all back payments now. After three months of fighting an agreement was sent to me to start making my original payments and as long as i was on time nothing would be reported to credit bureau. Now after making 13 payments all on time I have discovered that they posted a note on credit report that i was behind in my payments. Now am trying to get it fixed. The finance company cannot be trusted to keep their word and all they have done is make headaches for me because one of their stupid employers hit the wrong key and payed off my loan. Then they would not listen when i tried to tell them. Their agrrements are worthless. They will lie to you to protect their own mistakes. Do not do business with this company they are nothing but a big RIPOFF company. Make BIG MISTAKES AND want you to pay for their mistakes. Probably will battle many months now to get credit report straight. DO NOT BELIEVE THEM THEY WILL LIE TO YOU IN A MINUTE TO PROTECT THERE MISTAKES More Less


0 votes

I have no complaints with NMAC. I have financed 2 previous loans with them and the dealership just set me up with another new car loan. I prefer to do everything online and never had to call the customer service dept. They always promptly sent the title when my previous loans were paid off. After reading all these negative reviews I hope that my luck with them continues.


0 votes

We traded in our Nissan lease & bought TWO new Rogues. Since we did not pay off the lease as quickly as they expected, they reported a late payment to the Credit Bureau EVEN THOUGH WE PAY FOR THE LEASE AND TWO CAR PAYMENTS EACH MONTH. When we bought the new cars, neither one was cleaned, sticker marks on the Windows, no follow up calls after purchase. Poor customer relations.


0 votes

been on hold with them over 2 hours.....what finance company does this!!! needed to speak to customer support and could not reach anyone...Joke of a company


0 votes

Will never go back to this company; leased vehicle was totaled and two months later still receiving requests to pay the bill...tried calling dozens of times but NO ONE will pick up the phone...always on hold for hours before hanging up


0 votes

SCAM company! I recently married and my wife and I paid off her car to the tune of $3,194.71 and Nissan cashed the check but never applied the funds to her acct. called when we got anoteher bill a few weeks later which is how we found out. Called Nissan and they couldn't tell us anything except we still owed $3,194.71!!! Finally got image of check and are still dealing with them now and yes they advise we have to continue making payments until we figure out their ... error!!! More Less


1 votes

Have been calling NMAC for weeks now, no one ever answers the phone.Poor service. Just needed to ask a question. When you are a good customer you should receive good customer service.This will be my last time doing business with Nissan.


1 votes

One can't even reach them through their phone number - 800-456-662. I was on hold for 3 hours and 22 minutes and finally hung up.. Completely worthless - do not use.


1 votes

My car was financed through nmac for only 3 or 4 months. My car was totaled some person rear ended the car while it was parked right outside my home. My insurance paid about 20k so i contacted nissan for my gap insurance and according to nissan i have no gap insurance (but i have the contract with gap??) to cover the rest 4k. Now since nmac has just recieved the insurance payout on 10.20.2015 i have 30days from this date to pay off 4k with no payment options and ... intrest included. It is really unfair when you have signed for a contract with monthly payments that i have to pay 4k in 30days

Very bad. Will give no stars if possible. Will never buy from nissan again.
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0 votes

Their billing policies are completely unfair. If you can pay more on your bill one month, it only rolls over to pay for next months bill. I contacted customer service when I noticed this, and they said the only way to pay additional amounts for the current month, you'd have to use an outside billing site which charges a hefty convenience fee. Hmm, no thank you.


0 votes

NMAC approved me for a new car loan after I had tried two other companies. The main issue was that I had a very specific amount that I could pay each month. No other company seemed to be able to match that, except for NMAC. I'm now paying off my car with them and am very happy!


0 votes

So deceptive! I actually reviewed my loan after I'd finished paying it off and realized that I had paid more in interest than the initial interest rate in my contract. I tried to review previous statements, but they do a really bad job of telling you basic info like principle paid, interest paid, etc. I would watch out for them because they may inexplicably charge you more in interest as well.


0 votes

I have never experience such bad customer service when there is an error caused by the LENDER. For whatever reason, NMAC stopped sending e-bills to me, which impacted my autopay. It screwed it up and then NMAC tried to accuse me of not paying the bill. Now I have late payments on my record and the customer service department there is not willing to help even though they made the error.


0 votes

Nissan Motor Acceptance was not the greatest company to get a car through. Towards the end, I had one of their employees calling me constantly trying to gather more information. I mean, don't harass me when I have been nothing but a loyal customer over the years. I also had to schedule appointments weeks out with the Nissan dealership to discuss the future of my car. Very inconvenient.


0 votes

NMAC isn't even worth doing business with. I ended up turning in my car and paid whatever fees they needed. Months later I get a bill for taxes due for the car. I had a statement saying everything was settled, but the customer service department just informed me that it had been sent over to collections because that's the way they do business. It was not even worth my time, so I just paid whatever. Bad company.


0 votes

A little fact you might not know about NMAC.. they only set up your auto payments until the very last one. The final payment has to be made manually. I was not aware of this and was not reminded by the company. I ended up paying a few days late and got hit with a late fee. Thanks a ton, Nissan! You just lost a long time customer.


1 votes

After dealing with a rude customer service representative, I requested to speak with a supervisor or manager on duty. Lo and behold, whoever I was connected with was the exact same way. Very rude and very obviously not trying to be helpful. I'm almost done with the term of my loan, so I can't refinance now. But I'll be a happy camper when I don't have to speak with them.


1 votes

I tried desperately to get NMAC to send me my cars title when I had completed my payments. I called and spoke with various representatives who all had the name monotone script to follow. None of them seemed interested in really helping me. After all this time, I still don't have it. They have no problem taking your money but once they have to do some work, they drop the ball.


0 votes

I feel like the customer service representatives at Nissan Motor Acceptance Corporation are a bunch of robots. I mean, honestly, it would be nice if they strayed from the script a bit. I have had to call various times, and no matter I question or concern, they have a robotic answer. I want to speak with a human being!


0 votes

I've had a marvelous experience with Nissan Motor. Everything was so quick. I got my loan right away and had zero problems at the dealership. I only spoke to customer service once, and they were able to answer my questions right away. No complaints here.


0 votes

I had a very unfortunate situation and NMAC was not at all sympathetic. I was trying to refinance my loan (through NMAC) with my personal bank. The co-signer on my loan had recently passed so it became a bit trickier. NMAC called me constantly while my bank was trying to figure everything out. They did not try to help me in any way, even though I explained the situation various times to various people.


0 votes

NMAC will only be a source of great frustration for you. Over the course of my loan, the billing department at NMAC managed to apply my payment to the incorrect account. Then, refused to refund the late fees on my loan because the payment did not show. Even after that, they reported the late payment on my credit where it has been for the past couple years.


0 votes

This company is beyond a nightmare. First, they managed to apply my payment to another person account, then charged me a late fee for it. Then, they took SO long to send the title after I had moved that my car was unregistered in that state for a few weeks, leaving me unable to drive it. They have been such a headache from day one.


0 votes

I was not aware of all the fees that Nissan Motor charges just to make a payment. I have only had the loan for a few months and have made a few payments, but I'm already looking to refinance to work with a better company. It is silly to pay all these fees when I am just trying to pay my bill. No way.


1 votes

This company is a joke! We experienced SO many problems with them, I don't even know where to start. We moved one state over and they made getting the title such a pain. It took three months for us to finally get the title, which in turn left our car unregistered for almost a week. After numerous calls and numerous promises, it still took this long. It's ridiculous.


1 votes

I am honestly SO confused with Nissan!! They didn't release my title to me, and they're now telling me I have to use a title website and pay to get it? I'm pretty sure I just paid a bunch in interest and fees to you. Isn't it your job to provide me with the title? So confused!

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