Nissan Financing: What To Know in 2026
Whether you dream of zipping around town in a sporty Nissan GT-R or simply need a Versa to get you from point A to point B, you’ll need a way to pay for your next set of wheels. If you don’t have enough cash on hand, financing your purchase with an auto loan is often the next step.
Nissan Motor Acceptance Company (NMAC) offers a variety of financing options that may be convenient for some buyers. But making sure your auto loan is actually competitive is another important step — and one LendingTree can help with. Below, we’ll break down how Nissan financing works and show you how to compare it with other auto loan options so you don’t overpay.
How do your Nissan payments compare to the average?
Use the LendingTree auto loan calculator to determine how much car you can afford.
We analyzed data from trusted sources like Edmunds and Experian to estimate average Nissan monthly payments based on credit score.
You can use this information to help you shop for the best rate on your Nissan auto loan. Here’s how:
- Check your credit score. You’ll need your score to use these tables properly. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Cross-reference your credit score with the Nissan model in the tables below to compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Nissan payments.
Estimated average monthly payments for new Nissans
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2026 Nissan Rogue | $29,090 | $459.01 | $412.23 | $387.91 | $404.61 |
| 2026 Nissan Altima | $27,000 | $417.43 | $374.88 | $352.77 | $367.96 |
| 2026 Nissan Versa | $17,390 | $226.22 | $203.16 | $191.18 | $199.41 |
| 2026 Nissan Kicks | $22,430 | $326.50 | $293.22 | $275.93 | $287.81 |
| 2026 Nissan Frontier | $32,150 | $519.89 | $466.90 | $439.37 | $458.28 |
Estimated average monthly payments for used Nissans
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2020 Nissan Rogue | $12,925 | $217.67 | $191.89 | $169.50 | $165.59 |
| 2020 Nissan Altima | $13,194 | $224.22 | $197.65 | $174.59 | $170.57 |
| 2020 Nissan Versa | $8,343 | $106.22 | $93.64 | $82.71 | $80.81 |
| 2020 Nissan Kicks | $10,272 | $153.14 | $135.00 | $119.25 | $116.50 |
| 2020 Nissan Frontier | $18,497 | $353.20 | $311.36 | $275.03 | $268.69 |
Nissan finance options
Researching auto loans might not be as exciting as buying a car, but a little time and effort can go a long way. In some cases, you might even qualify for a 0% APR Nissan finance deal.
Nissan Motor Acceptance Corporation
You’re taking advantage of a special offer or buying your first car with little to no credit.
If you choose to finance through the Nissan Motor Acceptance Corporation (NMAC) — Nissan’s captive lender — your rate and terms will depend on your credit profile, ZIP code and specific Nissan model. Manufacturer financing can be especially appealing when a vehicle qualifies for promotional APRs, discounts or limited-time incentives, which often differ from what you might find at a bank or credit union.
Nissan doesn’t publish a minimum credit score requirement, and many of its special financing offers are typically geared toward borrowers with stronger credit. In some areas, you may be able to start the process with an online preapproval, although final financing decisions still happen at a participating Nissan dealer and require a hard credit check.
NMAC may also offer programs that reduce your overall cost, depending on your eligibility.
Financing programs and incentives
Nissan often provides financing incentives that can help lower your cost, including promotional APRs, cash back offers or savings for eligible groups like first-time buyers, military members or recent college graduates. These programs vary by vehicle and region, so reviewing Nissan’s website is the best way to see what you may qualify for.
Bank and credit union auto loans
Your bank or credit union offers exclusive APR discounts or car-buying benefits.
Your bank or credit union can also be a good place to get an auto loan. Some banks offer extra benefits for long-time members. Truist, for instance, offers short-term payment relief in the event of hardship. However, this is only available if you’ve banked with them for at least nine months with a positive payment history.
Credit union auto loans are also worth checking out, as they tend to have low interest rates and unique benefits. For example, if you buy an electric vehicle with a DCU auto loan, you could get a 0.25% APR discount. That’s on top of a 0.50% APR discount for setting up electronic payments if you’re a Plus or Relationship member.
Banks and credit unions don’t usually disclose their credit score requirements. But if you have a longstanding history, your bank might be willing to look past less-than-perfect credit.
Online auto loans
Comparing multiple offers, no matter your credit score.
One of the best ways to make sure you’re getting the most competitive loan is to compare multiple offers. Targeting online auto loans can make this process easy, especially if you use LendingTree’s loan marketplace. With just a few clicks, you can compare offers from up to five lenders with no negative impact to your credit. Check out what you could qualify for today.
In-house financing
You have bad or no credit and don’t qualify for another type of Nissan financing.
You should only turn to in-house financing as a last resort. Also known as “buy here, pay here” loans, this type of financing is provided by dealers themselves, rather than banks, credit unions or other financial institutions.
Some borrowers go with in-house financing to get a zero-down bad-credit car loan. As enticing as they sound, these loans typically come with APRs of 20% or more. Not only that, but loans like these usually only apply to select vehicles, often older models with marked-up prices. The combination of high interest rates and inflated vehicle prices can significantly increase the risk of ending up with an upside-down auto loan, where you owe more than the car is worth.
How we calculated average monthly Nissan payments
To calculate average monthly Nissan payments, we found estimated starting MSRPs and the fair purchase price for some of Nissan’s most popular models. MSRPs and fair purchase prices are based on data available at the time of writing, as they change frequently.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used the LendingTree auto loan calculator to figure out average monthly Nissan payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 2025. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, zip code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.34% | 9.77% | 6.51% | 4.88% |
| Average loan term | 74.30 | 75.03 | 72.01 | 64.80 |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 19.00% | 14.11% | 9.65% | 7.43% |
| Average loan term | 66.58 | 68.30 | 68.54 | 65.86 |
Frequently asked questions
Nissan frequently offers 0% APR deals on its vehicles. Currently, for example, Nissan is offering 0% rates on the 2025 Pathfinder, 2025 Murano and 2026 Rogue. While no minimum credit score is specified on its website, users generally need to have excellent credit to qualify. Check your dealer’s website frequently as these deals change and may depend on the model.
Like many auto lenders, Nissan doesn’t specify a minimum credit score to buy a car. Other factors may be taken into consideration to calculate your creditworthiness, including income and your credit history.
You can pay off your Nissan Finance loan early without incurring any prepayment penalties or being charged any fees. You can also add an amount to your recurring monthly payments to be applied to your principal balance.
Nissan’s finance company is called Nissan Motor Acceptance Corporation, or NMAC for short.
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