Finance Center

Nissan Financing in Minot, ND

Picking out a new Nissan or one of the used cars on our lot can be overwhelming. Finally finding the right fit amongst all the available options can be a relief, but after doing so, you still have to figure out how you want to fund your new or new-to-you car. Luckily, Ryan Nissan is here to ensure you get the best of the best, and stay with you every step of the way. Just as our sales team is standing by to help you find the perfect car, our finance team is here to help you get the best Nissan auto loan available. 

HOW TO APPLY FOR AUTO LOANS

You can start by filling out the auto loan application right on our site. This simple and secure form asks for basic information such as your name, address, and social security number. Once you have submitted your application, the experts at our auto finance center review and sift through your options, presenting you with only the best ones. 

To ensure our customers always get the best rates on new Nissan vehicles and used cars, we work with a variety of lenders and show you loan options from local banks, national banks, and credit unions. But we don’t just wave contracts in your face – we explain each option in-depth so you know exactly what you are getting into. After signing on the dotted line, you can drive off the lot knowing you’ve made a wise and lasting investment.

OTHER WAYS TO PAY FOR A VEHICLE

If you’d prefer not to take out a loan or want to limit the amount you are financing, there are other options available. You can outright pay for the vehicle in cash, though this method isn’t very common due to the large sum required all at once. However, contributing any amount as a down payment can be beneficial in lowering the car loan, which brings down the cost of your monthly car payments in turn. 

Trading your vehicle in is another option to consider. Depending on the year, make, model, and condition, contributing a vehicle trade-in as part of your down payment can make a significant impact. If you’re still paying off the loan for your current vehicle but want to trade it in, we can make that happen as well. Our team at Ryan Nissan works with your current lender to settle the cost and use the remainder of the value toward your new car. We’re committed to taking the hassle out of the process, making it easy for you to navigate the payment options for your next vehicle.

IS FINANCING A CAR A GOOD IDEA?

While it can feel intimidating to take a loan out for a vehicle, it’s actually a good idea. First and foremost, taking out an auto loan expands your options greatly – without one, you may have to find a cheaper car for sale by the owner, which can be a risky purchase. Buying from a dealership is important because you get certain guarantees and warranties that you won’t get from an independent seller. Plus, financing provides more vehicle options, opening up the opportunity to get something you really want to drive.

IS IT HARD TO QUALIFY FOR A CAR LOAN?

Ryan Nissan is dedicated to helping all North Dakota drivers find an auto financing package that works for their budget and credit score. Whether you have an extensive credit history or have never signed a loan before, we aim to find something that works for you. Even if you’re unsure about qualifying for an auto loan, reach out and let us help you find a solution!

BUYING VS. LEASING YOUR VEHICLE

Another alternative to buying or financing is leasing a vehicle. You may be wondering whether leasing or buying is the better solution for you, but that depends on what you want. Leasing a vehicle often means lower monthly payments and paying less in sales tax. The warranty coverage and maintenance services are also quite comprehensive, which limits the amount of money you have to spend on vehicle service. Plus, you're always able to drive a new model with the latest features.

Leasing a new Nissan vehicle is perfect for some people, but not for everyone. If you want total ownership over your vehicle with no mileage restrictions, and the ability to completely customize your ride, then buying a car is the best option for you. When it comes down to it, leasing and buying are both good options — it just depends on your lifestyle and needs.

TALK TO AUTO LOAN EXPERTS NEAR STANLEY, ND

If you’re ready to get behind the wheel of a new or new-to-you vehicle, contact our finance experts at Ryan Nissan today. We’re ready to explain the ins and outs of auto loans and assist you in navigating the various options. We look forward to seeing you soon!