I've had a terrible experience with Nissan Financial. Their website repeatedly fails to generate basic documents like payment history and contracts -- it just returns errors no matter what browser I use. The mobile app doesn't even offer the option. Even worse, I've had multiple payments marked late despite having sufficient funds in my account. Payments sit in "pending" for days, then get returned after the due date, and I'm charged late fees. My bank confirmed they never rejected the transactions. There was also a situation where I made extra payments ahead of time, and the system showed my next amount due as $0 for the following billing cycle. I relied on that, but then at the end of the cycle, they suddenly charged me the full payment amount and added a late fee -- even though the app previously showed that nothing was due. That's extremely misleading. Every time this happens, I have to call customer service, wait on hold, and explain the situation just to get the late fees reversed -- which they do. So they clearly recognize the issue, but nothing is ever fixed, and it keeps happening. On top of that, customer service wait times are extremely long, and when I finally reached someone, they sent me someone else's contract and payment history after I verified my identity multiple times. That's a serious privacy concern. At this point, I have to call and pay over the phone just to avoid issues -- and get charged extra for it. As someone with a demanding schedule, I shouldn't have to repeatedly fix the same problem just to manage a basic auto loan. This system feels broken and needs serious improvement. read more

Terrible end of lease experience. I tried several times to set up an inspection for my vehicle before returning it with their required inspector. They had no available dates for inspection for two months prior to my return FOR THE ENTIRE STATE. My car was basically in perfect condition and was well under the mileage agreement. NMAC recommended I just return the car without an inspection. After doing that, the final bill came with a very surprising excess damage claim to the hood, which there were none visible to the naked eye. It definitely was not excess wear, which is what this charge should be for. In the end, I paid the bill, but I feel like the additional $350 in excess damage was a hoax. And without them being able to provide a proper inspection beforehand, I feel helpless and abused by the system. Do not recommend leasing through Nissan and I will never do so again in the future. read more

As part of my end of lease deal, the Nissan Dealership was to pay my last payment (I had made 35 out of 36 in full and on time). I leased my new car and have already made 3 payments in full and on time. The dealership said they made the payment to Nissan Motor Acceptance, NMAC says they didn't. I'm stuck in the middle and they refuse to deal directly with each other. WORST CUSTOMER SERVICE EVER. I get harrassing phone calls and have been turned over to a debt collection agency for $290.83 that the dealership SAID THEY PAID to NMAC. I give up and will not spend any more time on this. Fix your systems Nissan! Or be human beings and look at the situation - "hmm, let's take the customer out of the middle and work this out with the dealership, this customer has been with us for TWELVE years and never missed a payment, something must be wrong and we should believe her". RIDICULOUS read more

Very disappointed with how NMAC and a local dealership handled the returning my 88-year-old mother's leased vehicle. Mom became legally blind due to a medical condition in the final 8 months of the lease, but she paid every month on time and completed the full term. Her 89-year-old husband -- a proud Korean War veteran living with dementia. I had to move them to Staten Island in mid-January so I could care for them. The move was traumatic, so we extended the lease 90 days. NMAC told me any authorized Nissan dealer was fine for return. (This is a lie) Nissan of Staten Island said "no appointment needed" after I explained her blindness. When we arrived they refused the car, insisting it had to go back to the original dealership. I called NMAC again with Mom on the line -- they promised manager approval for a tow but never followed through, gave conflicting info every time, and the tow company never called. THEY DONT GIVE YOU A REFRENCE NUMBER FOR YOUR CASE and every time you call back you can reference the notes in the account, but the follow up is based on the new rep your speaking with. At the end I realized after spending 6.5 hrs. on the phone. That NMAC had zero interest in helping my elderly legally blind mother return the car, the knowingly have there reps lie and mislead the consumer The entire ordeal caused serious stress and anxiety for my elderly, disabled parents during an already hard time. This is by far one of the worst run finance companies I have ever encountered. STAY AWAY read more

Bad customer service, with the exception of two agents. Nobody tries to help you at all. Ask for the extension they "offer?" Good luck! They will do the best they can to delay it, resulting in having less days for the extension, yet they have the nerve to call it a month extension. Excuse me while I laugh, ha! If you can avoid having to call these line, I recommend you do so. read more

On hold for 30 minutes and gave up. This was after calling 2 times previously only to get a recording, during the hours they are supposed to be open, that "due to high call volumes, they are not accepting calls." LOL!! That's a new one. Tried the website chat, then clicked on transfer me to a live agent... the reply "sit tight you are number 50 in line." Terrible customer service. What a joke. read more

Never missed a payment, Never! NMAC charged me late fees on top of a second payment in less than a month. I paid that and they are still hitting me up on late fees. NMAC refusing to fix their screw up. I will never purchase another Nissan. read more

minus 100. Never ever will I deal with Nissan again. Spending hours on the phone, speaking to no less than 20 people, never resolving any issues. They are a disgrace plus a rip off. Stay as far away as possible! read more

Here's a draft for a concise and impactful review you could leave, highlighting the slow processing time as a predatory practice: --- Unreasonably Slow Check Processing - Feels Predatory I recently sent a check to pay off my lease, and the company is taking **6-8 weeks** to process it. This delay feels like a predatory practice--tying up funds for months while likely accruing unnecessary fees or interest for others. Most financial institutions process checks within days, not weeks. This policy seems designed to exploit customers who are trying to fulfill obligations. Avoid if you value transparency or timely service. read more

Genuinely deserves 0 stars. I scheduled a payment that never got taken out, got charged late fees. Couldn't find any adequate help within their staff, their automated response system is incredibly frustrating and will not help you. I will never, EVER get another Nissan just so I don't have to deal with the incompetency. read more

HORRIBLE COMPANY!!! I have been a loyal customer since 2013, but in the last six years, things have tanked big time. The "system migration" is the straw that broke the camel's back. When you start messing with my perfect credit and act like it's nothing, I'm out! My suggestion is to stay clear of NMAC and Nissan in general. They are in financial peril anyway. read more

My experience was awful. This company will not acknowledge a total vehicle being paid off by insurance and GAP coverage because they have a policy of including the taxes that were financed in the loan us being old to them. Which the law says is is not there for after a accident on November the 4th Nissan is still building me for a car due to them not receiving reimbursement for taxes which goes to the state. To make matters worse they are sending delinquencies to my credit file which I lost seven points last week. They're looking for monthly payment for November December January maybe February saying that I owe them $2100 my my payment was $547. Just a note that my car payment was due on the 18th for November read more

I would never recommend this company. I've been trying to make a payment after a bankruptcy and I keep getting the run around. Getting transferred to different departments multiple times. Every time I called to try to make a payment I was told that the correct department closed at 7pm central time so I called at 5pm central time then they told me they closed at 5 pm. They even transferred me to a different country! They talk over you very rude and unprofessional. Get it together Nissan! read more

If I could give zero stars, I would. My experience with Nissan has been beyond appalling. I recently purchased a brand-new Kicks, and my first payment is due tomorrow--Thanksgiving. I tried to make the payment today using the Nissan app, only to receive an error message: "We're sorry, an error occurred that caused your transaction to be unsuccessful. Please try again." I then attempted to pay through the website, which greeted me with the same error. Frustrated, I called customer service, where my ordeal truly began. The first representative, a man named Robert, rudely demanded my full Social Security number. I declined to provide it over a recorded line, especially one that was clearly outsourced, but I had my account number and VIN readily available. After an unnecessary back-and-forth, during which I had to repeatedly insist on alternative verification methods, he begrudgingly confirmed my identity using the information I initially offered. But the nightmare didn't end there. I was informed that if I wanted to make my payment over the phone, I would be charged a service fee--a fee I find utterly unacceptable, given that Nissan's own systems were down. Despite my explanation of the situation, Robert rudely interrupted me several times, dismissively suggesting I "try the app later or tomorrow" and see if it works then. When I escalated my concerns, I spoke with two more representatives, including someone who claimed to be a supervisor. Both were equally unhelpful and cut me off repeatedly. When I asked what would happen if the app was still broken tomorrow, I was told I could call back--on Thanksgiving. This was said with zero acknowledgment of how unreasonable it is to expect a customer to spend their holiday chasing down a basic service that Nissan should already have in place. At the end of an hour-long ordeal, I was left with no resolution: my bill remains unpaid, the app and website are still dysfunctional, and I've endured appallingly dismissive attitudes from every person I spoke with. This is not customer service--this is customer disregard. I will be exploring refinancing options with another bank because I refuse to be subjected to such a lack of accountability and respect. Nor do I want Nissan benefitting from any interest that could be accrued over the length of my financing agreement--especially when they've already demonstrated such blatant disregard for their customers. Shame on you, Nissan, for treating your customers this way. read more

Nissan made a change to their system and now I am blocked out from making a monthly payment. Their phone system is so erratic that it breaks up and that stupid message that our calls are so important to them is a joke. It refuses to accept my account and is totally unreliable. read more

This is the most incompetent company I have ever dealt with! I would give them negative stars if I could. They received my gap payment and won't apply it to my account to pay off my total loss. The check that was sent to them has cleared the bank, and they will not do anything to help me. I have called customer service numerous times only to be on hold for over an hour then get hung up on. I have escalated the call to supervisors and even the supervisors are incompetent. I have been a loyal customer for over 10 years and financed 5 cars with them. but they don't care about loyalty. I will be refinancing my new car with a competent company where when I have a problem, it is handled appropriately. Do not do business with this company!! Customer service is a complete joke. read more

I will never purchase a Nissan again. The customer service is the absolute worst. The lady I spoke with acted like I was bothering her. She gave me all the wrong information. She was rude and unhelpful. The app said I had to reset my password but there is no way to do that. What a joke. read more

It took this company 2.5 months to tell me my insurance company is the one that needs to request the title. 3 other customer service representatives in the prior 2 months just "looked into it", promising to send me an update that would never come. Avoid this company at all costs. 0 stars. read more

I have been trying to get my car's title transferred to my daughter for close to 5 months. I cannot get a simple answer from their customer service people. I have called multiple times over the last several months, and get a different answer every time. You can email the documents, you can't email the documents, you can have this document notarized. No, that's not the correct document that you got notarized. They are the absolute worst! And, you cannot speak to anyone in the transfer department because they don't take incoming calls User's recommendation: stay away. read more

NMAC is a venomous snake in the grass. Corrupt and treacherous. Refuses to report consumer payment history to the credit bureaus. This type of business practice should be illegal in all 50 states. Who purchase a new car but don't receive credit history worthiness for making their payments on time? Shame on Nissan Motor Acceptance Corporation. DO NOT FINANCE ANY VEHICILE WITH NISSAN MOTOR ACCEPTANCE CORPORATION, go to a decent finance company or your local bank. If you just have to finance with them, ask before you sign the dotted line if they will report to the credit bureaus. This company has been engaging in unfair business practices for many years and the agencies that regulates them, refuse to hold them accountable. DO NOT, I repeat, DO NOT FINANCE WITH NMAC!!!!!!!! read more

We traded in our Nissan, check was sent for the payoff amount and cashed but Nissan refuses to close the account and keeps harassing my wife to make another payment. Speaking with them did not help. I was hung up on 2 times when asking to speak with a supervisor. The supervisor Neil(not his real name), refused to give me his full name, was not helpful. He spoke with the dealership and told them to have us contact them. The payoff check that the dealership sent via UPS was accepted Tuesday August 10th and deposited. Neil refused to tell me that the check had been cashed and told me to call back later. Also refused to close the account. We will never finance a car through Nissan again, hope you do the same. read more

***DO NOT LEASE*** I had leased a Nissan Sentra though them and yesterday I traded it in with Honda before the lease was up as Honda was offering a deal that was too good to pass up. Today I find out that Nissan Financial will no longer accept payment from any third party company to pay off your lease early and you are forced to either finish out the lease term or trade it in to another Nissan dealer. This took effect May 10th 2021 and my lease predates that and somehow still applies under their new rules. read more

Becareful leasing a car with this company. After the end of the lease contract they sent us a bill which we were not informed about it during the lease agreement. read more

If I could give zero I would. Followed what they told me, then after giving them the amount i was told to give all of a sudden my early termination fee they quoted me almost tripled. So I am stuck with a truck that is probably the worst purchase I have ever made. But now I am out thousands of dollars. Avoid Nissan at all cost they are no longer the manufacturer they used to be, and they dont care about their customers at all. read more

They deserve negative stars, I was told one thing and after i did the first part and gave them the money all of a sudden the original early termination quote was 3 times highers than originally told. Dont go with this company of snakes and liars! read more

If I could give them less than 1 star, I would. They are the worst! DO NOT USE NMAC if you don't absolutely have to! The car I purchased is just fine. NMAC is garbage. They make it very hard to even make a payment, then question me if it is only 2 days past the due date, still inside the grace period. Your calls are sent to some other country where you can hardly understand the person you have to give your ssn to. Not very comforting. We will not be buying Nissan again. read more

After being a loyal customer for years and always having my title mailed to me, now all of a sudden without infor their customer, Nissan refuses to provide title onnpaid off vehicle. read more

I lease a Nissan and recently needed to get some information as to when my lease expires as I am no longer able to drive a car due to some physical problems. I called the dealership but they had no idea how I could contact the Nissan Motor Acceptance Corporation. I tried to do some research on the internet but that didn't work - I'm not real savvy on how to use the internet. Now, I have no idea where to turn except to wait until the monthly payment is due and hopefully will be able to learn how to contact whoever it is that I should be talking to. read more

Enza is a horrible customer service representative. She constantly interrupts you, and makes smart remarks. I'm never buying another Nissan again due to her behavior. read more

Over a month ago I was hit from behind in my NEW 2019 Nissan Altima. My car has been in the shop and has been repaired for over 3 weeks. HOWEVER, Nissan has failed to have the blind spot sensor available. This is delaying my retrieval of my vehicle. Nissan has assured me for the third time of a date that my part would be delivered. Each time I've been extended a new date, Nissan fails to deliver. This is hindering my vehicle being returned to me. The repair/dealer has REFUSED to provide me the return of my vehicle, because of safety. This has been on-going for 3 weeks & is UNACCEPTABLE!!! My car has been in the shop, longer than I've owned the car. I've spoken to my Insurance company and they too agree that they shouldn't be insuring Nissan's due to this problem. I've also spoken to my Attorney and The Auto Shop, who also agree that Nissan is at fault and should now be paying for my rental. Contacting Nissan has proven to be worthless!!!!!!!! I've filed a complaint with Nissan Regional Consumer Affairs. At this point I'm ready to return the vehicle and purchase a vehicle that capable of be repaired in reasonable time frame. read more

This has been the worst experience of my life dealing with this company! I have purchased many cars in my life and each experience was great. This was so bad with this company that I will never purchase a Nissan again. I had called for a payoff balance for my car 4 times in the same month. Nissan Finance could not beat my bank with the rate and even told me my banks interest was much better to go with them. No one explained a different process that I needed to do except sending them a check. Nissan told me for 2-3 weeks they never received my check and was asking me to tell my bank to stop payment. Than they told me I only could purchase the car from their company after the fact. Come to find out they received my money 3 weeks prior! I had received a letter saying if my auto was paid off by a certain date which was the 18 of may they would wave the deposit fee. It was but they said they didn't send any letter like that. After my bank paid them, I also didn't realize I also had sent them another payment. When I called about returning the payment they stated I owe another $1200,oo for the tax. Don't you think they should of figured that out with the payoff?? Their answer was they didn't know the amount! During this month I received 4 letters stating different amounts that I owed. I now paid another payment and also gave them another $300.00. I asked multiple times to speak to a supervisor only to be told I couldn't. I finally called corporate and got someone named Debbie. When I asked what the correct payoff balance was she told me I already knew. This was such bull like it was a game. I would not pay anything else until I knew the exact number and she would not give me the amount, when I finally told her a number she said yes that is the amount. Still receiving texts and letters and not to mention when I called there was a recording as to they were collecting a dept! Still getting different amounts of the balance told to me. When ever I called hoping to get someone else to speak to they would put me back to Debbie. Her answer to me was what do you expect why you are getting different amounts because you are calling everyday! Wow, If that person was working for me I would fire her! So now I get the CEO name and mention it to Ms. Debbie. I told her I wanted a bill e-mailed to me with all amounts the payoff , tax and what I paid. If I did not get it the following week e-mailed I would call the CEO and give her name. About 40 minutes later she called back so very nice and said I owe nothing and she would have the e-mail to me. That was July 4 week and I still have not gotten anything. When I called her now last week she said she is not sending anything and no one else would either. In the mean time my bank still has not received the title and is putting a lien on me now. I have wasted more time on the phone when I needed to be working seeing patients and I would tell anyone if you need to purchase a car do not purchase a Nissan just because of this finance company! And for the CEO, where is he?????? Look at the reviews here! They are really bad. I would hope they could do something to change this company around. I normally would not even write a review but this was the worst experience of my lift and I am still dealing with this. There is no one high up to straighten this out. And another thing 2 people say I should have a credit coming to me. But who can you speak with????? Sharyn Cera read more

Nissan Motor Acceptance Corporation is going to PAY car dealers for steering customers towards 84 or 96 month loans. This is anti-customer and disgusting on so many levels. read more

If only I could give a -0. This is by far the absolute worse lender I have ever worked with. It's like they make it extremely difficult to have simple questions asked. They seem to intentionally give customers a hard time. Worse service ever. These people barely understand English so leaning on them to help you fill out a applications or any of their paperwork is NOT a good idea and a an absolute waste of time. read more

Over the past few months, I've noticed it's been taking a few days for my automatic payment to be posted to my bank account. I called Nissan finance to ask why. I was met with a customer service rep, who kept blaming my bank, and wouldn't allow me to speak to a manager. It took about 10min of asking, before I was transferred. When I was finally transferred to someone who said they were a manager, he talked at me, instead of answering my question, told me it says on the financial site, that it takes 2 days to process through the bank. It doesn't say that. It says, if the payment is made on Friday after 6, it would post to my account on the following Tuesday. My payment is automatic, it should come out on the day I've selected, unless it's a Saturday or Sunday. Then I know to expect it to come out on the next buisness day. I asked to speak to his manager. He told me there was no one above him, and he was the top in the company. (Amazing, right?) When I told the "manager" I would be leaving a negative review of their poor customer service, he said, "ok," and really didn't care. From the Nissan dealership, to the customer service at the finance department, this has not been a good experience. read more

I've made every payment on time for three years and out of the blue the contact me saying I'm behind on three payments!!! After three hours on the phone with a MORON he discovered it was all their fault. Nissan has been terrible from all angles. I will never buy a vehicle through nissan again. Worst mistake of my adult life. read more

I bought out my lease and my bank sent payoff overnight. It is now business day 27 and I still do not have title and bill of sale. I will never purchase a Nissan again!!!!!!!! And I called 35days after them receiving check and still cannot be told when I will receive the title. Unacceptable!!!!!! read more

After years of curating my credit score from the time i was 16 to now 24yrs old and having a high 700s, Its now had a major negative impact thanks Nissan's " RELIABLE " App. After being assured that the app was the best way to make payments and with its auto pay i could rest worry-free. I guess i put too much confidence in Nissan. The App stop working after 1 month not allowing me to login and even after setting up my autopay , it doesn't save to the app. The App is REDUNDANT, UNRELIABLE, USELESS And Even after contacting Nissan With a Written letter i had to send through the mail ( Because i guess an email is too easy ) They denied me any help to restore my credit. If there's anything i wish i knew then what i know now is, DONT DO BUSINESS WITH NISSAN MOTOR ACCEPTANCE COMPANY LLC Especially NEVER FINANCE THROUGH THEM, read more

Nissan Motor Acceptance Corp (NMAC) -- which is wholly owned by Nissan -- are a bunch of crooks. They decided that they would stop without notice the practice of allowing third parties to buy out leases. They suddenly became unhappy they have a bunch of leases with residuals that are significantly less than what the cars are worth, and wanted to stuff that money in their pockets. The new policy is careful worded to adhere to the contracts we signed, but not the spirit nor the practices of Nissan for over a decade which allowed third party buyouts, and even had a button (now removed) on the NMAC page for a dealer pay-off quote. I'll never own a Nissan again. read more

I had leased a 2016 Rouge back in 2016, i returned it 2 months early. I understood that i would be charged the 2 months left on lease because i was not re-leasing. However there was a made up $400 dollar charge that Nissan just charges for no reason just because i was not going to re-lease from them. This should be illegal!! On top of owing 1000 dollars at the end of my lease ( my monthly payments were only 106) i told them on the phone i could not pay that all at once and that i could do 150 a month, they agreed i paid 150 end of July and was told i would get another bill, i never got another bill and now I have been sent to collections!!! PISS POOR customer service by Nissan! I would have re-leased if the sales people were a little bit nicer and basically told me I would never get a new lease for under 400 a month and 3000 down!!!! That is INSANE!!! I now OWN a 2011 Pathfinder from an independent seller and I couldn't more happy! PS my payments are under 200!! All in all i would tell EVERYONE to steer clear of leasing with Nissan and buying from a dealership is a racket just to get more money out of you!! read more

Terrible company they send wrong information to your credit Bureaus, they reported that i had a bankruptcy, and it was not true, it was my father in law because his name is similar to my husband's. Latonya at the bankruptcy department is rude, speaks over you, and does not even let you talk. After my lease is over i am not leasing from Nissan ever again. read more