Welcome to Our Financing Department

Welcome to Gateway Nissan's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Gateway Nissan has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!


What Credit Score do You Need to Purchase a Car?

Thinking of purchasing a new or used Nissan from us, but you're not sure your credit is quite good enough? Contrary to popular belief, you do not need to have perfect credit in order to purchase a car. Also, we have plenty of ways to help you get the financing you need. But as a general rule, the higher your credit score is, the lower your interest rate and monthly payment will be.

The average person who buys a used car has a credit score of 655, while the average person who buys a new car has a credit score of 714. If you have a credit score that ranges from 781 to 850, then you can expect to pay around 2.4 percent in interest on a new car or 3.4 percent in interest for a used car.

On the other hand, if your credit score ranges from 350 to 500, then you can expect to pay somewhere in the neighborhood of 13.53 percent in interest for a new car, or 18.98 percent in interest for a pre-owned vehicle. Improving your credit score before you buy can make a significant difference in your monthly payment!

There are several ways that you can work on your credit before you apply for an auto loan. Paying your bills on time is one of the most important things that you can do to improve your credit score. You will also need to keep your credit card balances low, and avoid opening a line of credit leading up to your car purchase if at all possible.

Benefits of Getting an Auto Loan Through a Dealership

You have a number of options when it comes to financing your car, but there are several reasons why is a good idea to get your financing through your local Nissan dealership. A car dealer can help you get a loan with a lower monthly payment with a lower interest rate. It will also be more convenient for you to get a loan from your dealer's financing center, who can also work with you to get the best deal on the very best car, truck or SUV for your needs. As an added bonus, you will not have to worry about traveling to multiple places to fax or sign your paperwork as you might have to do if you secure financing through a bank.

When you apply for a car loan through your Nissan dealership, you may also be able to get a loan with more flexible terms. If you need to have a lower monthly payment for your new or used Nissan, you may be able to get extended financing. You will end up paying more in the long run, but it is a great option for people who are operating on a limited budget.

Whatever your credit situation, come to our financing department at Gateway Nissan in Greeneville, TN for your next auto loan and let us help you get a great car, truck or SUV with financing that fits your budget!


Gateway Nissan

1055 W. Andrew Johnson Highway
Directions Greeneville, TN 37745

  • Sales: (423) 639-5151
  • Service: (423) 639-5151
  • Parts: (423) 639-5151


  • Monday 9:00AM-7:00PM
  • Tuesday 9:00AM-7:00PM
  • Wednesday 9:00AM-7:00PM
  • Thursday 9:00AM-7:00PM
  • Friday 9:00AM-7:00PM
  • Saturday 9:00AM-6:00PM
  • Sunday Closed