Nissan Motor Acceptance Company LLC

Nissan Motor Acceptance Company LLC is the captive finance subsidiary of Nissan North America, which is part of the global Nissan Motor Co., Ltd. group. It provides vehicle financing and lease products for Nissan and Infiniti vehicles sold through authorized dealerships in the United States. The company is headquartered in Franklin, Tennessee.

As a captive lender, Nissan Motor Acceptance Company is designed to support the sale of Nissan and Infiniti brand vehicles. Financing is arranged through the dealer network rather than through a direct consumer application process. Buyers typically encounter Nissan Motor Acceptance financing when working with the finance department at a Nissan or Infiniti dealership.

Nissan Motor Acceptance Company commonly offers retail installment loans for new and used Nissan and Infiniti vehicles, as well as lease financing for new models. Leasing is commonly promoted at Nissan and Infiniti dealerships, and the captive finance company manages a significant lease volume.

Manufacturer promotional financing offers are a regular feature of captive lending programs. Nissan and Infiniti periodically run special annual percentage rate promotions on specific new models, typically available to buyers with strong credit histories. These offers apply during limited promotional windows and on qualifying vehicles only.

Consumers should compare the financing offer from Nissan Motor Acceptance with quotes from their own bank or credit union before agreeing to terms at the dealership. Promotional rates from a captive lender can be competitive, particularly during manufacturer incentive periods. Buyers should also ask whether taking a low-rate promotional loan means forgoing a cash-back offer that might produce a better overall outcome when combined with outside financing.