Nissan First-Time Buyer Program

First-time new car buyer?

Getting an auto loan can be difficult for first-time buyers. Nissan has introduced a program with relaxed guidelines that makes it a little easier to get into the Nissan you’ve been wanting:

Credit History

  • No prior auto credit on file
  • No derogatory credit
  • 600 FICO or higher (all applicants)
  • Zero scores are not eligible for this program


  • Verifiable minimum monthly income of $2,000/month for the primary applicant/driver
  • Payment-to-income maximum of 18%
  • Debt-to-income ratio maximum of 50%
  • Proof of Income required upfront prior to approval
  • Three complete references on application

Minimum Customer Down Payment

  • $1,000 Cash or Trade Equity
  • Excludes NNA Customer Cash, Bonus Cash and Captive Cash

Maximum finance amount $20,000. See dealer for full program details. Final credit approval determined by NMAC.