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HP and PCP available, subject to status
Finance for used Nissans from verified UK dealers
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Nissan is a mainstream brand with competitive pricing across the range. A used Micra or Juke sits at the more affordable end, while a used Qashqai or X-Trail is a mid-range commitment. Even Nissan's larger models tend to be more competitively priced than equivalent premium-brand SUVs.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Nissan builds many of its UK models at the Sunderland plant, which helps with parts availability and may help keep servicing costs reasonable. This could make the total cost of running a Nissan on finance more competitive.
Use the calculator further down this page to estimate monthly payments based on your circumstances.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Nissan is one of the most popular brands to finance in the UK. Whether you are looking at a used Qashqai or a used X-Trail, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Nissan models.
Nissan Qashqai
The car that popularised the crossover segment in the UK. Used Qashqais tend to be in strong demand and are widely available.
Nissan Juke
A compact crossover with distinctive styling. Used Jukes are generally affordable to finance and sit in lower insurance groups.
Nissan Leaf
One of the first mainstream fully electric cars. Used Leafs could offer a low-cost entry into EV ownership on finance.
Nissan X-Trail
A seven-seat family SUV. Used X-Trails could offer more space for the money compared to some premium rivals.
Nissan Micra
A small city car that is generally affordable to finance and insure. Could be a practical option for newer drivers.
Nissan Ariya
Nissan's fully electric SUV. Used Ariyas are starting to appear at more accessible prices as the EV market develops.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Nissan at the end of the agreement. There are no mileage limits. HP could suit drivers who plan to keep their car long-term, which many Nissan owners do given the brand's reputation for durability.
Find out more about HP car finance →
Nissan PCP is a popular way to finance a Nissan. Your monthly payments are typically lower than HP. At the end, you can hand the car back, pay the balloon payment to keep it, or use any equity towards your next car.
The Qashqai has a reputation for holding its value relatively well, which could make PCP attractive as there is potential to build equity by the end of the agreement.
Nissan PCP is often available on models such as the Qashqai, Juke, X-Trail, and Micra, subject to status. Each model has different residual values, which affects the balloon payment and monthly cost.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination (once you have paid at least half of the total amount payable) or early settlement.
Both HP and PCP may be available with no deposit on many Nissan models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Nissan builds reliable, practical cars that many owners want to keep for years. HP gives you full ownership at the end, so you can keep driving without ongoing payments. Models like the Qashqai and X-Trail are the kind of cars people tend to hold onto.
With PCP, there is potential to build equity if the car holds its value. The Qashqai has a reputation for holding value relatively well in the mainstream crossover market. Leasing removes that opportunity.
Finance also gives you the right to voluntary termination and early settlement. Leasing typically penalises early exit. And finance lets you personalise your Nissan however you like.
Yes. Both HP and PCP may be available on used and second hand Nissans from verified UK dealers. Via Brumble, you can finance a used Nissan from any verified dealer.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. The used Nissan market is large, particularly for the Qashqai and Juke, so there tends to be good availability.
If you are interested in an electric car, the Nissan Leaf was one of the first mainstream EVs and used examples are now generally affordable. Financing a used Leaf could be a lower-cost way to try electric motoring.
If you need a pick-up truck, the Nissan Navara is also available on finance via HP and PCP. HP may be particularly suitable for pick-up owners as there are no mileage limits.
Check the car's history with our MOT checker and tax checker. Our Nissan reliability report covers common issues by model.
Approval depends on your circumstances. Nissan models are generally well-priced, so borrowing amounts tend to be reasonable. A used Micra or Juke could be one of the more affordable cars to finance.
If you have a lower credit score, our bad credit car finance page has tips. Nissan's competitive pricing means smaller borrowing amounts, which may improve your chances.
If you are a student or young driver, a used Micra could be a realistic option to consider on finance.
According to DVSA MOT data analysed by Brumble, Nissan has a national MOT pass rate of 67.7%, based on 1.50 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Nissan below the national average of 72.4%. This does not mean every used Nissan will have problems, but it may be worth paying particular attention to the car's service history and MOT record before committing to finance. A well-maintained example could still be a reliable choice.
The most common MOT advisory and failure items on Nissan vehicles include suspension wear, brake components, and exhaust emissions. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Nissan reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Nissan occasionally runs 0% finance promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and are not available on used cars. They typically require an excellent credit score.
If a 0% promotion is not available, Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Nissan car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about Nissan car finance.
It depends on the age and specification of the Qashqai, plus the term length and APR. The Qashqai is one of the most popular used cars in the UK, so there tends to be good availability across price ranges. Use the calculator to estimate payments. Representative 19.8% APR.
Used Leafs are among the more affordable EVs you could finance. Running costs tend to be low (no fuel duty, free road tax, relatively inexpensive to charge). The main consideration is battery range, which is lower on earlier models. Check the specific model's range before committing.
It may be possible. Nissan's competitive pricing means smaller borrowing amounts, which may improve your chances with some lenders. A soft search lets you check with no risk. Subject to status.
Many Nissan models sold in the UK are built at the Sunderland plant, including the Qashqai and Juke. UK manufacturing means parts tend to be widely available and servicing costs may be more competitive.
Many finance options are available with no deposit, subject to status and affordability. A deposit could reduce your monthly payments but is not required.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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