Nissan Finance Interest Rates & Options

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  • Finance a new or used Nissan
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Nissan finance Australia
Nissan finance Australia

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Nissan financing in Australia

Nissan is a popular car manufacturer in Australia, and like most car brands here (including Toyota, Mazda and Hyundai), most of its sales come from its range of SUVs and utes.

The Nissan Navara, X-Trail, Patrol and Juke were its best-selling models in Australia in 2022.

While not nearly as popular as some other electric vehicles, including the Tesla range, the Nissan Leaf is one of the more affordable electric vehicles on the market, albeit still with a price tag in excess of $50,000 for a new model.

Whichever model you’re looking to buy, finding the right Nissan financing option will help you keep your costs as low as possible. Many buyers will consider a Nissan car loan, but it’s worth exploring your other options too. I’ve explained these below. But first, let’s examine the impact your Nissan finance interest rate could have on your monthly loan repayments.

Nissan finance options

  • Finance for Nissan Navara, X-Trail, Patrol, Juke, Qashqai, Leaf & more
  • Low rate secured car loans
  • Nissan commercial finance options
  • Nissan novated lease available
  • Borrow up to $150,000
  • Fixed or variable interest rate
  • Finance terms from 1 - 7 years
  • Flexible repayment options
  • Pre-approval available

Best Nissan finance rates compared

VehicleEstimated cost (from)Monthly repayments (6% p.a. interest)Monthly repayments (8% p.a. interest)Monthly repayments (10% p.a. interest)

Juke (ST)





Qashqai (ST)





X-Trail (ST AWD)





Navara (SL 4X4 Dual Cab Pick-Up Auto)





Leaf (ZE1 Hatch Auto)





Pathfinder (Ti)





Patrol (Ti)





Nissan car loan repayment examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs as at April 2023. Estimated repayments do not include any fees the lender may charge.

Nissan finance eligibility

Are you eligible for Nissan finance?

Eligibility criteria for Nissan Finance varied based on the lender you apply with, but generally speaking you will need to:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Be employed or have another source of income to enable you to repay the loan
  • Meet other credit criteria set by the lender, including your credit score, expenses and existing debt
Nissan finance application

How do I apply for Nissan finance in Australia?

Applying for Nissan finance in Australia, usually involves these steps:

  • Compare personalised offers from different finance providers
  • Choose the deal that best matches your needs
  • Make an application with your chosen lender
  • Submit the documents the lender asks for, such as bank statements and payslips
  • Wait for your application to be reviewed by the lender

If your application is approved, you will get car loan pre-approval up to a set limit (this will be the maximum you can borrow with that lender to finance your Nissan). Alternatively, if you have already found a Nissan to buy, the lender will give final loan approval at that stage.

Depending on the lender it can be possible to get same-day approval on Nissan finance.

Nissan finance options explained

Secured or unsecured Nissan finance?

If you're considering financing a Nissan, it's worth noting that a secured car loan typically has a lower cost compared to an unsecured personal loan. This is because the car you purchase will be used as collateral for the loan, which lowers the lender's risk. Lower risk means lenders offer lower car loan interest rates.

Even if you opt for a used Nissan car, it's usually still possible to get a secured car loan as long as the car is not older than 12 years.

Typically, the term for secured car finance on a Nissan can be between 1 and 7 years.

Nissan green loans

If you’re considering a Nissan Leaf, you may be eligible for a green loan. This is a type of financing offered by some lenders specifically for eco-friendly purchases.

In practice, this kind of loan will function in a similar way to a secured car loan, but you may benefit from a discounted interest rate and lower fees.

Novated leasing your Nissan

A novated lease through your employer is another financing option for your Nissan. With this option, you can still use the vehicle for personal use without any restrictions, but you get several tax benefits that make it an attractive choice over a car loan. You can pay for the vehicle as well as its running costs using pre-tax salary, which means significant savings on taxes. Additionally, you'll receive a GST discount on the cost of the Nissan car and its running expenses.

If you opt for a novated lease for a Nissan electric vehicle, you'll be eligible for a fringe benefits tax exemption as long as the vehicle's cost is below the luxury car tax limit ($89,332 in the 2023/24 financial year).

Nissan commercial finance options

In Australia, there are two main financing options if you're looking to buy a Nissan vehicle for mostly business use: a chattel mortgage and a finance lease.

A chattel mortgage is a type of business car loan that provides additional tax benefits for businesses and is suitable for those who want to own the vehicle outright. A finance lease is suitable for businesses that don't require immediate ownership of the vehicle and allows for regular payments while renting the vehicle for an agreed period.

Nissan dealer finance

Nissan also offers financing directly to its customers. This includes a fixed-rate car loan, as well as the "Nissan Future Value", a finance product which includes a balloon payment. This is aimed at drivers who plan to trade in and replace their Nissan regularly.

Nissan also offers a chattel mortgage product to businesses, as well as finance leases, novated leasing and business lines of credit.

If you're thinking about dealer finance for your Nissan, keep in mind that this kind of finance often promoted based on its convenience, but it may not necessarily be the best deal available. The Australian Government’s Moneysmart website advises searching for the best financing option separately. This means you can explore a broader range of loans and leases, which can be just as fast to approve as dealer finance, and may potentially save you money.

How do I get the best Nissan finance deal?

As well as the advertised interest rate, there are other factors to consider when looking for the best finance deal for your Nissan:

Ongoing finance rate: Some car finance deals may have a low introductory rate that increases to a higher rate after a certain period. To get the best deal, look for Nissan finance options that offer a low rate forthe full loan term.

Fees: Some lenders charge an application and ongoing fees. But if you shop around, you may find Nissan finance options with minimal or no fees.

Finance term: Consider choosing the shortest finance term that suits your budget to minimise the interest you'll pay over the full life of the loan.

Repayment flexibility: Look for Nissan finance deals that offer the flexibility to make extra repayments if you can afford to. This will allow you to pay off the loan early and save on interest. But be mindful of loans that charge fees for early repayment.

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Frequently asked questions about Nissan finance

If you're buying a Nissan, there are several financing options in Australia, including secured and unsecured car loans, novated leases, commercial loans, and finance leases.

When selecting a Nissan finance option, consider the interest rate, loan term, fees, and repayment flexibility. It's also important to choose an option that fits your budget and financial situation.

You can apply for Nissan finance through the dealership or directly with a lender. Some lenders also offer online applications, making the process more convenient.

Yes, many lenders offer pre-approval for Nissan finance, which means you'll know how much you can borrow and what your repayments will be before you start car shopping.

The credit score required for Nissan finance will vary depending on the lender you choose. Generally, if you are applying for a car loan through a major bank, you will need to have a ‘good’ credit score (typically above 660).

Some smaller lenders may be more flexible and accept borrowers with an "average" credit score (above 460). Other lenders even specialise in offering bad credit car loans, which may be an option for financing a Nissan if you have a less-than-perfect credit history.

Yes, most Nissan finance options in Australia allow you to make extra repayments. This can help you pay off your loan faster and save on interest, although some lender may charge a fee if you repay the loan early.

The eligibility requirements for Nissan finance will vary depending on the type of financing you choose. Generally, you will need to be at least 18 years old, have a regular income, and meet the lender's credit criteria. Commercial finance options may have additional requirements, such as proof of business ownership.

Shopping around for the right loan can save you thousands of dollars in interest and fees.

Car Loans guides and resources

Where to next? Read our other car loan guides to understand more about your options for financing your next car.

Written by

Shaun McGowan founder

Loans Expert

Shaun McGowan

Reviewed by

Sean Callery Editor


Sean Callery


*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.