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Financing

Whether you want to finance or lease, Nissan Motor Acceptance Corporation (NMAC)
has financing options as individual as your business.

Financing
Great option if you plan to:
  • Keep your vehicle for 5+ years
  • Build asset value and save after payoff
  • Use 15,000+ miles per year
  • Leverage your company's cash position, which favors purchasing over leasing
Signature Lease
Great option if you plan to:
  • Drive a new vehicle every 2 to 3 years
  • Lease and walk away at end of lease term
  • Use 15,000 miles per year or less
  • Potentially deduct monthly payments for tax purposes[*]
Trac Lease
Great option if you plan to:
  • Drive your vehicle for business 50%+ of time
  • Lease with option to buy at end of lease term
  • Use as many miles as you want
  • Potentially deduct monthly payments for tax purposes[*]

NMAC Line of Credit

NMAC can set up a customized line of credit (LOC) to help facilitate whichever option you choose.

Learn More

Option Details

Financing Signature Lease Trac Lease
Definition Financing might require a down payment, as well as monthly payments to pay the balance over the loan term. The Signature Lease is a close-ended, walk-away lease. The Terminal Rental Adjustment Clause (TRAC) Lease is an open-ended lease with the option to buy at lease term end.
Monthly Payment The monthly interest payment may be tax deductible as a business expense[*]. The monthly payment, which pays only a portion of a vehicle’s cost over the lease term, is deductible as an operating expense[*]. The monthly payment may potentially be deducted as an operating expense[*].
Depreciation Depreciation may be deductible for tax purposes[*]. The vehicle price and residual value at end of lease term determines the monthly payment amount. The vehicle price and residual value at end of lease term determines the monthly payment amount.
Payoff You own the vehicle outright and can continue to use it or sell it. You can return the vehicle for disposition

You can:

  • Trade in the vehicle
  • Return the vehicle for disposition
  • Finance the residual amount to purchase the vehicle[*]
Mileage You can drive as many miles as you want.
  • You can drive up to 15,000 miles per year or 1,250 miles per month.
  • You are responsible for excessive mileage.
You can drive as many miles as you want.
Wear and Use
  • No charges for vehicle wear and use, because you own it.
  • Excessive wear will lower the vehicle's trade-in or resale value[*].
  • A normal amount of wear and use is covered.
  • You are responsible for excessive wear.
  • Excessive wear will lower the vehicle's trade-in or resale value[*].
  • No charges for vehicle wear and use.
  • TRAC Leases have no wear-and-tear clauses.
  • Excessive wear will lower the vehicle's trade-in or resale value[*].
Other Benefits
  • Customize with accessories and special equipment.
  • Use it in a way that would disqualify the vehicle for a lease.
  • Help avoid repair costs with a vehicle that is always under a limited warranty.
  • Potentially pay lower total cost of ownership.
  • Get flexible terms to match requirements of fleet management policies.
  • Take advantage of multiple terms and residuals per term.
  • Customize your monthly payments to fit your budget needs.
  • Include taxes, upfits, and the cost of accessory installation in the capitalized cost of the lease.
  • Manage capital expenditures with multiple end-of-lease options.