Nissan financing in Australia
Nissan is one of the top-selling car brands in Australia, having sold over 42,000 vehicles in 2024. This places the Japanese manufacturer alongside other popular brands like Toyota, Mazda, Kia and Hyundai.
The Nissan X-Trail, Pathfinder, Patrol, Navara and Juke remain some of its best-selling models in Australia.
While the Nissan Leaf may not be as widely popular as some other electric vehicles, like those in the Tesla range, it remains one of the more affordable options. The base model starts at around $35,000, while the longer-range version is priced closer to $45,000.
Regardless of the model you're considering, securing the right Nissan finance option will help you keep costs manageable. While many buyers look at a Nissan car loan, it’s also worth exploring other financing options to ensure you get the best deal.
Nissan finance options at a glance
- 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
Nissan finance rates compared
Compare car loan interest rates for a range of Nissan models to see your estimated monthly repayments.
Nissan model | Juke (ST) |
|---|---|
Estimated cost | $29,440 |
Monthly repayments (6% p.a. interest) | $569 |
Monthly repayments (8% p.a. interest) | $597 |
Monthly repayments (10% p.a. interest) | $626 |
Nissan model | Qashqai (ST) |
Estimated cost | $34,665 |
Monthly repayments (6% p.a. interest) | $670 |
Monthly repayments (8% p.a. interest) | $703 |
Monthly repayments (10% p.a. interest) | $737 |
Nissan model | X-Trail (ST 2WD) |
Estimated cost | $38,300 |
Monthly repayments (6% p.a. interest) | $740 |
Monthly repayments (8% p.a. interest) | $777 |
Monthly repayments (10% p.a. interest) | $814 |
Nissan model | Leaf (base) |
Estimated cost | $50,990 |
Monthly repayments (6% p.a. interest) | $986 |
Monthly repayments (8% p.a. interest) | $1,034 |
Monthly repayments (10% p.a. interest) | $1,083 |
Nissan model | Navara (SL 4X4) |
Estimated cost | $48,606 |
Monthly repayments (6% p.a. interest) | $940 |
Monthly repayments (8% p.a. interest) | $986 |
Monthly repayments (10% p.a. interest) | $1,033 |
Nissan model | Pathfinder (ST-L 2WD) |
Estimated cost | $60,220 |
Monthly repayments (6% p.a. interest) | $1,164 |
Monthly repayments (8% p.a. interest) | $1,221 |
Monthly repayments (10% p.a. interest) | $1,279 |
Nissan model | Z (base - manual) |
Estimated cost | $76,520 |
Monthly repayments (6% p.a. interest) | $1,479 |
Monthly repayments (8% p.a. interest) | $1,552 |
Monthly repayments (10% p.a. interest) | $1,626 |
Nissan model | Patrol (Ti 4X4) |
Estimated cost | $89,620 |
Monthly repayments (6% p.a. interest) | $1,733 |
Monthly repayments (8% p.a. interest) | $1,817 |
Monthly repayments (10% p.a. interest) | $1,904 |
| Nissan model | Estimated cost | Monthly repayments (6% p.a. interest) | Monthly repayments (8% p.a. interest) | Monthly repayments (10% p.a. interest) |
|---|---|---|---|---|
Juke (ST) | $29,440 | $569 | $597 | $626 |
Qashqai (ST) | $34,665 | $670 | $703 | $737 |
X-Trail (ST 2WD) | $38,300 | $740 | $777 | $814 |
Leaf (base) | $50,990 | $986 | $1,034 | $1,083 |
Navara (SL 4X4) | $48,606 | $940 | $986 | $1,033 |
Pathfinder (ST-L 2WD) | $60,220 | $1,164 | $1,221 | $1,279 |
Z (base - manual) | $76,520 | $1,479 | $1,552 | $1,626 |
Patrol (Ti 4X4) | $89,620 | $1,733 | $1,817 | $1,904 |
Types of Nissan finance options available
1
Secured loan
A common choice for financing is a secured car loan, where your Nissan acts as security for the loan, reducing the lender's risk. However, if you happen to miss payments or default, the lender has the right to reclaim and sell the car to recover the outstanding debt. Loan terms usually range from 1 to 7 years, with the flexibility to choose between fixed or variable interest rates.
2
Unsecured loan
An unsecured personal loan is similar to a car loan, but without needing your Nissan to be used as security. Since there’s no asset securing the loan, lenders typically charge higher interest rates to offset the added risk. Other than that, unsecured loans function much like car loans.
3
Novated lease
A novated lease through your employer is another financing option for your Nissan. 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 your 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 may be eligible for a fringe benefits tax exemption as long as the vehicle's cost is below the luxury car tax limit ($91,387 in the 2024/25 financial year).
4
Finance lease
If you'd prefer the flexibility of not owning your Nissan right away, a finance lease could be a great option for eligible business customers. With this arrangement, you make regular payments to the lender, who purchases the vehicle on your behalf and retains ownership during the lease term. At the end of the lease, you'll have the option to either take out a new lease or buy the car outright.
5
Nissan green loan
If you're considering a Nissan Leaf, you might qualify for a green loan. This type of financing is offered by some lenders for eco-friendly purchases. Similar to a secured car loan, a green loan may come with the added benefit of a lower interest rate and reduced fees.
Nissan dealer finance
Nissan Future Value
The Nissan Future Value offers flexible interest rates and loan terms of 2, 3 or 4 years. At the end of the contract, you can choose to trade in your Nissan, keep it or return it. You also have the option to make a deposit to lower your monthly repayments.
With annual kilometre allowances of 10,000, 20,000 or 25,000 km, Nissan will determine your vehicle’s ‘Guaranteed Future Value’ at the end of the term. This value is set by Nissan based on factors like the vehicle's make, model, expected depreciation, wear and tear and whether the agreed kilometre limit is met. This option might be ideal if you prefer to upgrade to a new Nissan regularly.
Fixed Rate Car Loan
The Fixed Rate Car Loan from Nissan offers a straightforward way to finance your vehicle with fixed interest rates and flexible loan terms. Unlike the Nissan Future Value plan, this loan does not include a predetermined future value for your car. Instead, you commit to a fixed loan term and make consistent payments over the life of the loan, which range from 1 to 7 years.
You also have the option to make weekly, fortnightly, or monthly payments. This loan provides stability with fixed repayments, but does not include the flexibility of returning your vehicle at the end of the term like the Future Value option. It may be suitable if you want a predictable, long-term payment structure where you still have the option to upgrade or keep your vehicle.
Nissan also offers a chattel mortgage product to businesses, as well as finance leases, novated leasing and business lines of credit.
If you're considering dealer finance for your Nissan, remember that while it's often marketed for its convenience, it may not always offer the best deal.
The Australian Government’s Moneysmart website recommends comparing financing options separately. By doing so, you can explore a wider range of loans and leases that may offer just as quick approval as dealer finance and potentially save you money.
How to get the best Nissan finance deal
Here are four key factors to consider when looking for Nissan finance:
Interest rate
Some Nissan finance deals may offer a low introductory rate that increases after a set period. To secure the best deal, look for finance options with a low rate for the entire loan term. It's a good idea to shop around and compare offers from various banks, credit unions and specialist lenders.
Fees
Some lenders charge application and ongoing fees, but by shopping around, you may find Nissan finance options with little to no fees. Be aware of other potential charges, such as late payment fees or penalties for paying off your loan or dealer finance early. Regardless of how you finance your vehicle, fees are often involved, so it's important to ensure they remain low and don’t offset the benefits of a competitive interest rate.
Finance term
Consider a shorter loan term if it aligns with your budget and needs, but be prepared for higher repayments. Keep in mind that a longer loan term will result in higher overall interest costs, though your repayments will be lower. For example, if you finance a Nissan X-Trail (ST - 2WD) worth $38,300 with an interest rate of 8% p.a., you’ll pay $3,549 more in interest over a 7-year term compared to a 5-year term.
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. Also, consider whether the loan allows you to choose repayment frequencies - weekly, fortnightly, or monthly - based on what best fits your financial situation.
Eligibility 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
How to apply for Nissan finance
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 or use a car loan broker if you're stretched for time or don't know where to start
- 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.
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