Nissan Finance Customer Care: How to reach the right team and get issues resolved

Who actually handles “Nissan Finance” accounts

Nissan retail and lease accounts in the U.S. are serviced by Nissan Motor Acceptance Company (often abbreviated NMAC; branded to customers as Nissan Finance). Infiniti accounts are serviced by a related entity (INFINITI Financial Services/IFS). While your selling dealer can answer basic questions, account-level servicing such as payments, payoff quotes, extensions, or title/lien questions are handled by NMAC directly.

NMAC’s primary digital hub is the Nissan Finance Account Manager portal at https://accountmanager.nissanfinance.com. That site lets you view statements, enroll in AutoPay, get a payoff quote, send secure messages, and update contact details. The fastest way to verify any phone number or mailing address for your specific contract is to log in and check your statement or the Contact Us page inside Account Manager; remit-to and phone details can vary by product and state.

Official contact channels and when to use each

For account-specific questions (payments, due dates, payoff, extensions), contact NMAC using the phone number shown on your monthly statement or inside Account Manager. If you don’t have a statement handy, Nissan Consumer Affairs at 1-800-647-7261 (1-800-NISSAN-1) can route you to the correct finance servicing line, but they cannot access your loan or lease details directly.

Do not mail payments to corporate headquarters; remit only to the address printed on your coupon/statement or listed in Account Manager. For escalations that are not about sending payments, Nissan North America’s corporate address is One Nissan Way, Franklin, TN 37067 (use certified mail and include your full name, account number, VIN, and contact info). Always keep copies of what you send.

• Online: Nissan Finance Account Manager — https://accountmanager.nissanfinance.com (secure messages, statements, AutoPay, payoff quotes)
• Phone routing (general Nissan): 1-800-647-7261 (1-800-NISSAN-1). Ask to be transferred to Nissan Finance/NMAC for account servicing.
• Corporate correspondence (not for payments): Nissan North America, One Nissan Way, Franklin, TN 37067
• If you need to file a regulatory complaint: Consumer Financial Protection Bureau — https://consumerfinance.gov/complaint or 855-411-2372

Payments, AutoPay, posting times, and avoiding fees

Online one-time payments and AutoPay through Account Manager are the most reliable methods. ACH payments from a checking account typically show as pending the same day and post by the next business day when submitted before the daily cutoff time shown in the portal. Payments submitted on weekends or federal holidays generally post the next business day. If you use a debit card or third-party processor, a convenience fee may apply; the portal will disclose any fee before you confirm.

AutoPay enrollments usually take one billing cycle to become active. Until you see “AutoPay Scheduled” on your account for the current month, make a manual payment to avoid a late charge. If your payment method changes (new account number, closed bank account), update AutoPay at least 2–3 business days before the due date and confirm the update took effect. Keep proof of payment confirmations (date, time, confirmation number, and screenshot or PDF).

Payoff quotes, titles, and lien releases

A payoff quote in Account Manager will include principal, accrued per-diem interest, and any applicable fees through a specific “good-through” date. NMAC payoff quotes are typically valid for a short window (commonly 10 calendar days); check your quote for the exact validity. If your payoff will arrive after the validity date, generate a fresh quote to avoid a shortfall caused by additional per-diem interest.

After NMAC receives and clears full payoff funds, lien release and title processing begin. In electronic lien/title (ELT) states, the lien is released in the state system, and the paper title is either mailed by the DMV or updated electronically, depending on state law. In paper-title states, allow roughly 7–15 business days from funds clearing for the lien release/title to arrive by mail. If you have a time-sensitive sale or trade, ask about wire or certified funds options and request tracking for any mailed documents.

Lease customers: inspections, extensions, and buyouts

Schedule your pre-return inspection about 30–60 days before lease maturity; the inspection is typically at no charge and helps you avoid surprises. The inspector will measure tire tread, note windshield cracks/chips, curb rash, dents, interior tears, and missing equipment (keys, charging cables for EVs, etc.). You’ll receive an itemized report with any estimated excess wear. Addressing items before turn-in can reduce or eliminate charges on your final invoice.

If you plan to keep your vehicle, check your lease for the purchase option price, any purchase option fee, and tax/title fees. Many leases list a disposition fee if you return the vehicle; this amount is contract-specific (commonly a few hundred dollars, e.g., around $395, but verify on your agreement). For buyouts, sales tax handling differs by state; some states require the tax to be collected at buyout, others at registration. Generate a formal buyout quote in Account Manager to see totals and instructions, and confirm whether payment must be made via certified funds.

Hardship assistance, SCRA benefits, and disputes

If you’re facing a temporary hardship (job loss, medical leave, natural disaster), contact NMAC before you miss a payment. Many servicers can offer short-term payment extensions, due-date changes, or plan adjustments; eligibility depends on your account status and prior history. Document the terms you are offered (dates, amounts, and any extension fees) and ask for a written confirmation via secure message in Account Manager.

Active-duty service members may qualify for Servicemembers Civil Relief Act (SCRA) protections, including an interest rate cap of 6% on pre-service obligations from the date active duty begins. To apply, submit a request through Account Manager or ask to be routed to NMAC’s SCRA team via 1-800-647-7261. Provide a copy of your orders or other documentation. For reporting disputes (billing errors, payment misapplied, credit bureau issues), send a detailed written dispute through secure message and keep copies; include your account number, the specific transaction/date in question, and the resolution you seek.

• Have ready when you call: full account number or VIN, last 4 of SSN, your billing address, and a recent statement.
• For payoff/buyout: the payoff quote ID, good-through date, odometer (for leases), and where to mail title/lien release.
• For SCRA/hardship: service orders or LES (if applicable), pay stubs or hardship documentation, and your preferred written contact method.

Escalations, records, and formal complaints

Keep a call log: date/time, the number you dialed, the representative’s first name or ID, and a summary of what was promised. Follow every phone conversation with a secure message through Account Manager that restates your understanding; this creates a time-stamped record attached to your account. For mailed items, use certified mail with return receipt and include your account number on every page.

If you can’t resolve a servicing issue after reasonable attempts, you can file a complaint with the Consumer Financial Protection Bureau at https://consumerfinance.gov/complaint or by phone at 855-411-2372; include your documentation and the dates of your prior contacts. You may also contact your state attorney general’s consumer division or file with the BBB (https://bbb.org). For privacy rights requests (e.g., California CCPA), use the privacy links provided in Account Manager or Nissan’s corporate site; identity verification is required before NMAC can disclose or delete account-related data.

What is the Nissan forgiveness program?

Here’s How it Works! “FORGIVE AND FORGET” program offers customers access to credit pre-approval that may not normally be available to those with less than perfect credit scores, bankruptcy, divorce, foreclosure, or repossession. The program relies on things other than credit score to get your pre-approval.

Does Nissan let you skip a payment?

Loan Deferment FAQs
If Nissan Motor Acceptance Corporation agrees to a payment deferment, you can skip making your loan payments for the agreed-upon deferment period.

Is Nissan customer service 24/7?

The Nissan Customer Service number is 1-800-NISSAN-1 (1-800-647-7261). Our customer service representatives are available 24 hours a day, 7 days a week to provide you with the help you need.

How do I contact Nissan Finance?

(800) 456-6622
To see if your account qualifies, please contact our Customer Relations Department by calling (800) 456-6622, or chat with a NMAC Online Representative.