Where and how to send your Nissan payment
Nissan Motor Acceptance Corporation (NMAC) is the captive finance company that handles most Nissan vehicle loans and leases. If you financed or leased through Nissan, your payment goes to NMAC, not to a Nissan dealership. The method you use depends on which account you have and what payment channels NMAC has set up for you.
You can pay online through the NMAC website or mobile app, by phone, by mail, or in person at a Nissan dealership. Online and phone payments typically post within one business day. Mail payments take seven to ten business days to reach NMAC's processing center, so send them well before your due date to avoid a late fee. Some dealerships accept payments in person, but this is not may provide at every location — call ahead to confirm.
Key Takeaways
- NMAC is the finance company that receives your Nissan loan or lease payment, not Nissan itself or your dealership.
- Online and phone payments post within one business day, while mailed checks take seven to ten days to process.
- You can set up automatic payments through the NMAC website or app to avoid missing a due date.
- Your payment due date and account number appear on your monthly statement or in your online account.
- Late payments trigger fees and can damage your credit score, so confirm your payment posted before the due date passes.
Setting up online or mobile payments
Log in to your NMAC account at the Nissan Motor Acceptance Corporation website or read the NMAC mobile app. You will need your account number and login credentials. If you do not have an online account yet, you can create one using your vehicle identification number (VIN) and the phone number or email address on file with NMAC.
Once logged in, select "Make a Payment" or the equivalent option in your account dashboard. Enter the amount you want to pay and choose your payment date. NMAC accepts payments from a checking or savings account via ACH transfer, or from a debit or credit card (though credit card payments may carry a processing fee). Review the details before confirming — the system will show you the exact date the payment will post.
Online payments made before 5 p.m. Eastern Time typically post the next business day. Payments made after 5 p.m. or on weekends or holidays post the following business day. Keep your confirmation number for your records.
Automatic payments and payment scheduling
NMAC allows you to set up automatic monthly payments so you do not have to remember your due date. In your online account, look for "Automatic Payments," "Recurring Payments," or "Autopay" — the exact label varies by account type. You can choose to pay the full monthly amount, a fixed amount you set, or the minimum payment.
Automatic payments deduct from your bank account on the date you choose, usually three to five business days before your statement due date. This gives you a buffer if there is a processing delay. You can change or cancel automatic payments at any time through your account, but you remain responsible for paying by the due date if you do cancel.
If your automatic payment fails — for example, because your bank account has insufficient funds — NMAC will typically attempt to retry the payment and may charge a failed payment fee. Check your account after the scheduled payment date to confirm the money went through.
Paying by phone or mail
To pay by phone, call the customer service number on your statement or on the back of your payment coupon. A representative will take your payment information and process it when ready. Phone payments are treated as online payments and post within one business day. Have your account number and payment method ready when you call.
To pay by mail, write a check or money order payable to Nissan Motor Acceptance Corporation. Include your account number on the check memo line. Mail it to the address shown on your statement — this is usually a lockbox address, not a dealership or regional office. Do not mail cash. Send your payment at least ten business days before the due date to account for mail delivery and processing time.
Keep a copy of your cancelled check or money order receipt as proof of payment. If you are concerned about mail delivery, consider paying online or by phone instead.
What happens if you miss a payment
A payment is considered late if it does not post by 11:59 p.m. on your due date. NMAC charges a late fee — the amount varies by state and contract, but typically ranges from $10 to $25 or a percentage of your monthly payment. The late fee appears on your next statement.
A single late payment is reported to credit bureaus and can lower your credit score by 50 to 100 points or more, depending on your current score. The impact lasts for seven years on your credit report. After 30 days late, NMAC may send a written notice. After 60 days late, the account may be reported as seriously delinquent. After 90 to 120 days late, NMAC can begin repossession proceedings.
If you know you will miss a payment, contact NMAC before the due date. Some accounts may have access to for a one-time payment deferment, which pushes your due date back by one month. This does not erase the missed payment but may prevent an when ready late fee. Deferment is not may provide and depends on your account history and contract terms.
Confirming your payment posted
After you make a payment, log back into your NMAC account within one to two business days to confirm it posted. Your account balance should reflect the payment amount. Your next due date and amount due will also update. Do not assume a payment posted just because you received a confirmation number — confirmation means the payment was submitted, not that it cleared.
If your payment does not appear after the expected posting time, contact NMAC customer service. Have your confirmation number and the date and amount of the payment ready. If the payment was made by check or money order, it may still be in transit; the representative can tell you the status.
Payment options comparison
| Payment Method | Processing Time | Cost | When to Use |
|---|---|---|---|
| Online (ACH from bank account) | 1 business day | Free | Most reliable; no fees; fastest for most situations |
| Online (debit or credit card) | 1 business day | Processing fee may explore | When you need to use a card; check fee before paying |
| Phone | 1 business day | Free | When you need when ready confirmation or have questions |
| Mail (check or money order) | 7–10 business days | Free (postage cost) | Only if you cannot pay online or by phone; send early |
| Automatic payment | 1 business day (recurring) | Free | Best for avoiding missed payments; set and forget |
Frequently Asked Questions
What if I pay online but the due date is tomorrow?
Online payments post within one business day, so a payment submitted today will post tomorrow if tomorrow is a business day. If tomorrow is a weekend or holiday, the payment posts the next business day after that. If your due date is tomorrow and today is a Friday, your payment will not post until Monday, which is late. Call NMAC to pay by phone instead — phone payments process when ready and count as received on the day you call.
Can I pay at a Nissan dealership?
Some dealerships accept payments in person, but this is not standard across all locations. Call your local Nissan dealership to ask. Even if they accept payments, they forward the money to NMAC, so there is no speed advantage over paying NMAC directly. Online or phone payment is faster and more reliable.
What if my payment method is declined?
If your debit or credit card is declined, try a different card or use ACH from your bank account instead. If your bank account has insufficient funds, the ACH transfer will fail and you may be charged a failed payment fee. Contact your bank to confirm your balance, then try again. If you cannot pay by the due date, call NMAC to discuss options before the payment is late.
Do I need to include a payment coupon?
If you are paying by mail, include the payment coupon from your statement if you have one — it helps NMAC route your check to the correct account. If you do not have a coupon, write your account number clearly on the check memo line. For online and phone payments, you do not need a coupon.
How do I know my payment due date?
Your payment due date appears on your monthly statement and in your online NMAC account. It is usually the same date each month. If you set up automatic payments, you can choose the date the payment deducts, which does not have to match your statement due date — just make sure it is before the due date passes.