Editor's choice: Carvana
- Most credit types welcome
- 45-day preapproval
- Seven-day guarantee
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With solid midrange prices and a variety of models that fit daily life, Nissan is a popular Japanese car brand for a reason. If you’re looking to get behind the wheel of a new or new-to-you Nissan, you’ve got plenty of financing options — from a car loan through a bank or online lender to financing directly through the dealer.
If you don’t have the cash to drop on a car straight off the dealership lot, you may want to consider a loan. One option is to take out a car loan from a bank, credit union or online lender. By comparing lenders, you can often secure a lower interest rate and better terms than you’d get by negotiating at the dealership itself. Another option is to take out a personal loan, though this is usually more expensive since your loan isn’t secured by the car you’re buying.
However, if speed is your main concern, then you may want to consider getting your loan directly through Nissan Motor Acceptance Corporation (NMAC). It’s usually faster than going through a bank or online lender, but it may not get you the lowest rates. Here are your two options:
Your local dealership may also have its own special deals, like cash back or low down payment options. The specific rates and terms you qualify for will depend on your credit history and personal financial situation.
*Rates as of November 26, 2018.
Yes, Nissan offers two cashback programs for military members and college graduates.
The cost of a new Nissan depends on where you live and any special promotions going on. The base MSRP ranges from just under $12,500 for a 2019 Versa and nearly $50,000 for the most basic trim of the 2019 Armada.
Every Nissan is backed by both a basic coverage warranty that’s good for three years or 36,000 miles, as well as a five-year, 60,000-mile limited powertrain warranty. You can also invest in Nissan’s Security+Plus Extended Protection Plan, which covers out-of-pocket component repairs as well as roadside assistance, rental and towing.
Before investing in a Nissan, consider your budget and the type of loan that best suits your financial needs. Going through NMAC might be quicker, but you may be able to get a lower rate or better term with a bank, credit union or online lender.
Check out our car loans guide to learn more about how borrowing works and compare your loan options.
Image source: shutterstock and Nissan’s official page
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