Nissan Finance

Nissan finance options, compared in less than 10 minutes.

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Find and compare the different Nissan finance options.

What are my Nissan finance options?

There is a range of finance options to choose from:

  • Car loan. This is where you borrow money from a lender to buy the vehicle you want. These are secured loans, which means that the lender takes security over the vehicle to protect the loan. Because the loan is secured you can find interest rates of between 4.05% and 10% p.a.
  • Personal loan. A personal loan works the same way as a car loan except the way you use the funds is more flexible. The loan can be unsecured, which means you don’t need to provide an asset as security, or secured, where you need to provide an asset, such as the vehicle you’re buying, as security. Unsecured loan interest rates range between 5.49% and 12.15% p.a. and secured personal loan interest rates range from 5% to 10% p.a.
  • Car lease. This allows self-employed people or business owners to buy a car for commercial purposes. The lender purchases the car and you make lease payments until the end of the term of the lease.
  • Novated lease. This is a method of salary packaging a car. As an employee you can lease a car and your employer pays the lease repayments from your pre-tax income. This can be a tax-effective way to purchase a vehicle.
  • Finance through Nissan. Dealership finance is available through Nissan, which is an option to consider if you want everything done in one transaction. Remember to look beyond the interest rate offered and check the fees and charges attached to Nissan finance. Check for other requirements, such as balloon payments, that make the repayments seem more competitive than they are.

See all 2021 EOFY deals

What should you know before applying for a Nissan finance option?

Being aware that the new car you are purchasing will decrease in value as soon as you drive it off the lot is a good place to start. If you are financing a new Nissan purchase it’s important to understand that the finance you’re taking out will be more than what your vehicle is worth when you drive it off the lot.

Another thing to consider when looking for finance is whether there is a minimum or maximum limit to the loan that you’re applying for. Some lenders have minimum amounts you can apply for whereas others let you borrow as little or as much as you want, as long as you show you can pay it back. Depending on the cost of your Nissan, this may affect which finance choices you have.

Things to look for with your Nissan finance

There are a number of details to check in your finance before you zoom away in your Nissan:

  • Can I afford the repayments? Knowing your financial situation and if you can afford the repayments, whether they be monthly, fortnightly or weekly, is very important before you consider getting a new car. You don’t want to drive yourself into debt.
  • Do I have inferior credit or am I bankrupt? Some lenders don’t let you apply for their loans if you have inferior credit or have declared bankruptcy. However, there are other lenders available that are willing to help you out.
  • Is there a balloon payment? Finance offered by dealerships often come with balloon payments. These are amounts deducted from your principal borrowing amount which you’re required to pay at the end of the loan term. Balloon payments can decrease your ongoing repayments, but coming up with the balloon payment at the end of the term can be difficult. It is usually upwards of $5,000.

What should you do before taking out Nissan finance?

Before you finance your dream car, these are some things to think about:

  • What is my budget? Nissan has an entire range of vehicles to choose from, which also means a range of prices. Prices can start from $26,000 for smaller cars and go as high as $96,000 for luxury SUVs. The prices you see on the website are a base amount and don’t include costs for additional features you might want to add as well as GST and luxury car tax.
  • What kind of car do I want? Nissan has many models to choose from, which can be intimidating. You can choose from small cars such as the eye-catching Nissan JUKE to zip around the city in, the classic Nissan Navara ute in a range of cab sizes, and the sporty 370Z Roadster, which will have everyone turning their heads when you zoom on by. Knowing what car suits your lifestyle is the best place to start.
  • What kind of features do I want? Nissan has a range of features available in its vehicles that vary depending on the model you choose. For example, the Nissan Qashqai comes with a panoramic glass roof and intelligent parking assistance as well as leather seats. The JUKE comes with a leather-accented seat trim and a touchscreen colour display. Although these differing features can be confusing, figuring out what you’re flexible on and what you’re not can help you decide.

Nissan finance costs to consider

Some costs for you to think about before applying for a loan include:

  • Loan fees. The application fee that is charged to apply for a loan as well as monthly fees and transaction fees can really add up. Ensure you are aware of all the fees that might be charged before applying for a loan.
  • Upkeep of the car. Paying for fuel, servicing, new tyres and running your car can be expensive. There is also car washing to consider – you’ll want everyone to see how nice and clean your new car is! RACV’s 2017 vehicle operating costs estimate for a medium-sized vehicle is for between $176.75 to $302.43.
  • Registration and insurance. It costs money just to be allowed to drive on the road. This is the cost of registration. You’ll also need to consider what insurance you need outside of the compulsory insurances, such as third-party property cover.

See all 2021 EOFY deals

What you need to apply for a Nissan loan

You will need the following to apply for a car loan:

  • Financial statements. Financial statements can be three months or more of payslips, your latest bank statements that show income coming in to your nominated accounts, or your latest tax return. What will be required varies from lender to lender.
  • Identification. This differs between providers but you will generally need your Australian driver’s licence, Medicare card, birth certificate and/or passport.
  • A stable income. Most lenders won’t let you borrow money from them if you cannot show that you have a stable income. However, some lenders have more flexible income requirements. Do your research on which lender is right for you.
  • Your current assets and liabilities situation. An accurate picture of all your assets and any current debts that you may have is necessary for lenders to see how much of a risk you are when it comes to lending you funds.

Figuring out if your new Nissan is right for you will be a lot easier if you are aware of your financial situation and what options are available to you. Once you have done your homework, choose your favourite and go get it!

Car loans suitable for financing a Nissan

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Plenti Car Loan
From
4.89%
(fixed)
5.44%
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Wisr Secured Car Loan
From
4.74%
(fixed)
4.75%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

*Special Offer: New loan applications approved and funded through Finder will get the $595 establishment fee waived off. Offer ends on 30 June 2021. Eligibility criteria, fees and T&Cs apply.


You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

*Special Offer: New loan applications approved and funded through Finder will get the $595 establishment fee waived off. Offer ends on 30 June 2021. Eligibility criteria, fees and T&Cs apply.


Credit Concierge Car Loan
From
3.35%
(fixed)
4.41%
You'll receive a fixed rate of 3.35% p.a. with a comparison rate of 4.41% p.a.
Get access to over 20 providers to fund a new or used car.
You'll receive a fixed rate of 3.35% p.a. with a comparison rate of 4.41% p.a.
Get access to over 20 providers to fund a new or used car.
Stratton Finance New Car Loan
From
3.85%
(fixed)
4.05%
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
IMB New Car Loan
4.99%
(fixed)
5.34%
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
RACV New Car Loans
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
CarClarity Car Loan
From
3.35%
(fixed)
4.95%
You'll receive a fixed rate from 3.35% p.a.
Get access to more than 30 lenders to finance a new or used car for personal or corporate use. Borrow up to $250,000 with terms from 1 to 7 years.
You'll receive a fixed rate from 3.35% p.a.
Get access to more than 30 lenders to finance a new or used car for personal or corporate use. Borrow up to $250,000 with terms from 1 to 7 years.
NAB Personal Loan Unsecured Fixed
From
6.99%
(fixed)
7.91%
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
RACQ Bank Car Loan Special
5.49%
(fixed)
6.16%
You'll receive a fixed rate of 5.49% p.a.
Borrow up to $60,000 for a new or used car and get a range of membership benefits.
You'll receive a fixed rate of 5.49% p.a.
Borrow up to $60,000 for a new or used car and get a range of membership benefits.
OurMoneyMarket Car Loan
From
5.35%
(fixed)
5.65%
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
SocietyOne Car Loan
From
5.95%
(fixed)
5.95%
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Driva Car Loan
From
2.85%
(fixed)
4.39%
You'll receive a fixed rate from 2.85% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
You'll receive a fixed rate from 2.85% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
NRMA Used Car Loan
From
6.24%
(fixed)
6.94%
You'll receive a fixed rate from 6.24% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 6.24% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
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Compare up to 4 providers

Compare car insurance side-by-side and get quotes

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. Also, get up to $200 for damaged or stolen groceries. Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you. Get $75 online discount + $100 gift card when you purchase by 11 July 2021. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus you can also earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
PD Comprehensive
Optional
Agreed
Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover. New policyholders can enjoy 15% off on their first year's premium. T&Cs apply.

Who it might be good for: Those with low claims history and the only driver.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
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Compare up to 4 providers

Nissan Australia models

Nissan Australia models
Nissan Juke – The Juke is a popular small SUV. Driveaway prices start from $29,990, for the entry-level ST. Key features include a 1.0-litre 3-cylinder turbocharged petrol engine, a 7-speed automatic transmission, an 8-inch touchscreen display, Apple CarPlay and Android Auto compatibility, 17-inch alloys, auto LED headlamps with High Beam Assist (HBA), Intelligent Emergency Braking with pedestrian and cyclist detection and Intelligent Lane Intervention.
Nissan Qashqai – The Nissan Qashqai is one of the biggest-selling small-size SUVs under $40,000. It rivals vehicles like the Hyundai Kona, Mazda CX-30 and the Toyota CH-R. Driveaway pricing starts from $29,490. For the money, you get Apple CarPlay and Android Auto, a rear view camera, Intelligent Emergency Braking, a leather-accented steering wheel and gear knob and 17-inch alloy wheels. The base model is a 4x2, with a 6-speed manual gearbox and 2.0-litre petrol engine.
Nissan X-Trail – The X-Trail is a medium-size SUV and is one of the best performers within that segment. It rivals models like the Toyota RAV4, the Mazda CX-5 and the Subaru Forester. Nissan prices the X-Trail from $30,990 driveaway. At that price, you get the ST trim. Highlights include: Intelligent Emergency Braking, Nissan Intelligent Key with push-button ignition, a Drive-Assist® display, Apple CarPlay and Android Auto, a rear view camera, a 2.0-litre 4-cylinder petrol engine, 4x2 drivetrain and a 6-speed manual gearbox.
Nissan Patrol – The Nissan Patrol is a luxury 4x4 that is a direct competitor to models like the Toyota LandCruiser and some of the less costly Land Rover and Mercedes-Benz 4x4s. Prices start from $86,197 driveaway. The Patrol has a 5.6-litre V8 with a 7-speed auto. Highlights on the entry model include satellite navigation, power front seats, Blind Spot Warning, Around-View Monitor®, Emergency Braking and a leather-accented steering wheel and seats.
Nissan Navara – The Navara is Nissan's ute. It's available as a farm-spec ute from $32,990. This model has a 2.3-litre twin-turbo diesel engine, Hill Descent Control, Hill Start Assist and an electronic rear diff-lock (on 4x4 models). This Navara has a 6-speed manual transmission. Higher-tier Navaras are specced more like luxury 4x4s that make an ideal ute for those who want a family car that will double up as a vehicle for business use.
Nissan 370Z – The 370Z is an affordable sports car. It starts from $50,490 drive-away. The 370Z has a 3.7-litre V6 petrol engine and a 6-speed manual gearbox. With two seats, this thing is all about driving. Power measures 245kW @ 7,000RPM and torque is a grunty 245Nm (at the same revs).
Nissan GT-R– The GT-R is a performance sports car. It has a 3.8-litre twin-turbo V6 and 4WD. Torque sits at 632Nm between 3,300-5,800RPM. Power is 419kW @ 6,800RPM. This thing should move like a lightning bolt. The GT-R sits on high-performance run-flat tyres by Dunlop, which are filled with nitrogen at the Nissan factory. You have to request a price from Nissan for the GT-R.
Nissan Leaf – The Leaf is one of the most established electric cars, ever. It starts from $53,190 drive-away. The Leaf can travel up to 270km on a single charge of its 40kWh battery. Key features include Apple CarPlay and Android Auto connectivity, sat-nav, a reversing camera (with predictive path guides) and a 5-star ANCAP rating.

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Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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