Current rates and lease specials change monthly, so the fastest way to see what applies to your Altima is our live offers page. Below, estimate a monthly payment yourself and get pre-qualified before you ever set foot on the lot.
Nissan and Crown Nissan of Greenville both run financing and lease specials on the Altima that change month to month — APR promotions, seasonal lease specials, and loyalty or military offers among them. Rather than quote a number that may be out of date by the time you read this, we'll point you straight to the current offers page for exact terms, and give you the tools below to estimate your own payment in the meantime.
Both get you into a new Altima — the right one depends on how long you keep cars and how much monthly payment flexibility matters to you.
Higher monthly payment, but the Altima is yours once the loan is paid off — no mileage limits, no wear-and-tear charges at the end.
Typically a lower monthly payment for the same trim, with the option to buy, lease again, or return the car at the end of the term.
Leases cap annual mileage — if you drive well above 12,000–15,000 miles a year, financing is usually the better math.
A trade-in reduces your amount financed or your lease's cap cost the same way — get an estimate on your current vehicle before you decide.
Guaranteed Asset Protection covers the difference between what you owe and what the car is actually worth if it's totaled or stolen — most leases include it, while financed buyers often need to add it separately, especially with a small down payment where that gap tends to be largest early on.
A finance contract can typically be paid off early with no penalty, cutting your total interest right away. A lease is a fixed-term contract, though — ending it early usually means paying the remaining lease payments in full or a separate early-termination fee spelled out in your contract.
Enter a vehicle price, down payment, term, and an interest rate to estimate a monthly payment. This is a planning tool only — it is not a financing offer or a quoted rate. Your actual APR depends on credit approval, so apply for financing to see your real terms.
Estimate only — excludes tax, title, registration, and fees, and assumes a simple amortized loan. Actual payment depends on your approved rate, term, and any applicable current offers.
The APR you're offered isn't a single dealership number — it's set largely by factors specific to you and the loan structure itself. Knowing what moves it helps you understand why two Altima buyers can get very different offers on the same car:
Lenders group applicants into credit tiers, and the gap between the top and bottom tier is usually several percentage points of APR — often the single biggest factor in the offer you actually receive.
Shorter terms (36-48 months) typically carry lower APRs than longer ones (72-84 months), even for the same buyer with the same credit profile — see the term comparison further down this page for what that means in dollars.
A larger down payment lowers the amount financed and can improve your loan-to-value ratio, which some lenders factor into the rate they offer.
None of this replaces an actual credit decision — it's context for why the rate you're quoted may differ from a friend's or family member's, or from the sample rate used in the estimator above, even on the exact same Altima trim.
Having these ready before you apply — whether online from home or in person at the dealership — speeds up the whole process considerably and avoids having to make a second trip just to hand over paperwork:
A valid driver's license. Required to verify your identity for any credit application.
Proof of income. Recent pay stubs, a W-2, or tax returns if you're self-employed — lenders use this to confirm you can support the payment.
Proof of residence. A utility bill or lease/mortgage statement showing your current address.
Insurance information. You'll need active coverage in place before driving the car off the lot.
Your trade-in's title and registration, if you're trading in a vehicle — this lets us confirm ownership and current payoff, if any.
Manufacturer and dealer offers on the Altima are updated regularly, so the most accurate source is always our live pages rather than a page like this one. Check New Vehicle Specials and Offers & Incentives for whatever's currently running, and use our payment calculator once you've picked a specific trim from our Nissan sedan buyers guide for a more precise number. You can also compare trim-level pricing in our Altima trims comparison before deciding which one to finance.
Using the estimator's own default example — a $25,000 amount financed at 6.9% APR — here's how stretching or shortening the loan term shifts monthly payment against total interest paid over the life of the loan. These are illustrative example figures only, not a quoted rate:
| Term | Est. Monthly Payment | Est. Total Interest Paid |
|---|---|---|
| 36 months | $771 | $2,756 |
| 48 months | $598 | $3,704 |
| 60 months | $494 | $4,640 |
| 72 months | $425 | $5,600 |
Example only, based on a hypothetical $25,000 loan at 6.9% APR — not an offer or quoted rate. A shorter term costs more per month but roughly halves total interest compared to a 72-month term at the same rate; a longer term frees up monthly cash flow at the cost of paying more overall. Use the estimator above with your own numbers to see how this trade-off applies to your situation.
Start your credit application online — it only takes a few minutes, and you'll know where you stand before you talk numbers on a specific car.
Lease specials on the Altima change monthly and vary by trim, so the accurate, up-to-date terms live on our Offers & Incentives page rather than a static guide like this one. Use the estimator above for a planning-stage number in the meantime.
Start with our online credit application at Apply for Financing — most applicants get a decision quickly, which lets you shop with a clear budget before you pick a specific Altima trim.
Financing suits buyers who keep cars long-term or drive high annual mileage, since there's no mileage cap or ownership handback. Leasing usually means a lower monthly payment and the flexibility to switch cars every few years, but comes with mileage limits and end-of-term terms to plan around.
Yes — trade-in equity lowers the amount you finance or lease either way. Get an estimate on your current vehicle's value before applying so your application reflects a more accurate number.
Usually, yes — most lenders offer multiple credit tiers rather than a single approve/deny line, so a lower credit score typically means a higher APR rather than an automatic denial. Applying online first lets you see where you stand before you're at the dealership discussing a specific car.
You typically have three options: return the car and walk away (subject to any mileage or wear charges), purchase it at the price set in your lease contract, or trade the equity (if any) into a new lease or purchase. Which makes sense depends on the car's condition, mileage, and whether you want to keep driving it.
Yes — a co-signer with stronger credit or income can help you qualify, or qualify at a better rate, if your own credit history is limited or your debt-to-income ratio is on the higher side. The co-signer takes on equal legal responsibility for the loan, so it's worth discussing openly with them before you apply together.
