Nissan Offers 0% Financing… if You Have a Lot of Money!

The latest financing offers from Nissan lead us to ask this question. Why buy on credit when you have cash?

If you’ve watched a bit of TV, you certainly haven’t missed Nissan’s latest advertisement. Always very stylish, with a beautiful Qashqai rolling over building facades in Inception-like shots before taking off, spinning for a moment before landing on a platform. Certainly a way to boast about the sleek lines of the new SUV from the Japanese manufacturer. It concludes with this message: Auto Credit 0%* on the Nissan range. A fantastic message if it weren’t for that little asterisk next to the 0%…

A nice offer highlighted by a very simple calculation: 10,000 euros borrowed, repaid by 36 monthly payments of 277.78 euros per month, totaling 10,000.08 euros owed. Let’s give 8 cents to the usher. Perfect, but the Qashqai costs 32,700 euros, after a 2,000 euro discount currently in place, in the entry-level Acenta version with a 140hp Mild Hybrid engine and manual transmission. So what would the monthly payments be with this 0% interest loan?

Dirty conditions

Well, we’re sorry, but we can’t answer that question… Don’t go asking a Nissan dealer; they’ll give you the same answer. However, they can explain that this 0% interest loan comes with conditions. To save you some time, here are those conditions.

This 0% interest loan is offered over 24 to 36 months on the range of new Nissan passenger vehicles after a minimum contribution of 40%! Do you understand the title of the article better now? So for our Qashqai priced at 32,700 euros, you need to make a contribution of 13,080 euros to access a 0% loan on only 19,620 euros. So it’s better than nothing, but the advertising message, while not absolutely misleading, is not very honest. It’s a shame, Nissan hadn’t accustomed us to this.

ALSO READ: 0% Credit at Tesla. For which cars and under what conditions?