How Does Nissan Finance Work?

Buying a car on finance is popular with drivers across the UK, as it enables them to spread the cost of the vehicle they need. You can take advantage of this flexibility and drive away with a Nissan that's even more affordable.

Nissan finance is available at all South West Nissan dealerships. One of our specialists will be on hand to explain the terms and suggest which agreement is right for you.

Nissan cars on finance

Every model in the new Nissan range can be purchased under a finance agreement. Whether you prefer the electric LEAF, the iconic Micra and Juke, or the confident Qashqai, you always have plenty of options. Benefit from trademark Nissan variety, as buying on finance has no impact on the trim levels, colours, finishes and accessories on offer.

Finance could give you the ability to buy a car that may otherwise be outside of your budget. It also means you do not need to take out a loan in order to buy. Most – but not all – agreements are subject to mileage limits. If you typically only drive short distances, you could make further savings by reducing the mileage on your finance plan.

How it works

A Nissan finance expert will help you to set a deposit amount, mileage and length of agreement. Interest rates are typically fixed, even against inflation. You also have the opportunity to take any Nissan out for a test drive before making up your mind.

Payments are usually made via Direct Debit from your account. It is also possible to set up a standing order, pay by cheque, or make credit or debit cards payments over the phone. If you have the ability to make a lump sum payment during the term, this could reduce the remaining term length.

The alternatives you have in the plan depend on the type of car finance you select. Some enable you to complete the payments and take ownership, and some give you the opportunity to simply return the vehicle.

During your agreement, you are not the legal owner of the Nissan. This is important to remember, as it means there are restrictions on what you can do with the car. The financer retains ownership until all repayments are complete. While the term is running, you are not permitted to sell the vehicle on to a third party. You remain responsible for making regular payments on the plan for the duration.

Nissan Preferences

The manufacturer's branded car finance plan is a version of Personal Contract Purchase (PCP). It gives you the most choices when the agreement comes to an end. PCP is a potential route to owning a Nissan.

Learn more on our Nissan Preference page.

Hire Purchase

Hire Purchase is a traditional financing method. The option to choose a car on Hire Purchase (HP) is one that both individuals and businesses have. It is a leasing agreement with a clear path to ownership. Companies in particular benefit from the VAT and tax advantages of HP.

Our Hire Purchase page will tell you more.

To compare different types of car finance and get a great deal on a new Nissan, get in touch with South West Nissan today. Visit or call your closest dealership, or send an online enquiry at any time.


Nissan Finance is a trading style of RCI Financial Services Limited.

RCI Financial Services Limited, Registered in England and Wales, No. 03302462.

Registered office: Egale House, 78 St Albans Road, Watford, Hertfordshire, WD17 1AF.

RCI Financial Services Limited is authorised and regulated by the Financial Conduct Authority.