Auto Finance FAQs

Your Loan & Lease Questions Answered at Harbor Nissan

Frequently Asked Questions About Financing Your Nissan Model


When Is a Good Time to Being the Financing Process?

While everyone's automotive experience has its own timeline, you generally will begin financing once you have found a vehicle you like. We also recommend you take the vehicle you like out on a test drive before putting any money down. This allows you to take time research and cross-referencing the vehicles you are interested in before you begin financing.

What Is the Financing Process Like? What Can I Expect?

This depends on how you are financing your vehicle. If you are physically at our dealership, then you will work with our team to craft a financing plan that works for your budget. This involves chatting with our team about your credit score, your financial information, and the kind of monthly payment you are looking for. If you decide to utilize our online finance application though, you will input this information into our secure online form from the comfort of your home. No matter if you live in Fort Myers or Arcadia, you can utilize either of these options.

Which Is Better -- Leasing or Buying?

There is no objective right answer to this question. That is because, depending on your budget, your driving habits, and other information, one could be a good fit for you over another. That is something our team can work out with you, and help you decide.

Very briefly though, leasing is often a more cost-effective option on a month-to-month basis. However, it does come with mileage parameters that may limit how far you are able to drive while you are leasing the vehicle. Furthermore, you have to keep your leased vehicle in good condition. Buying tends to come with higher monthly payments. However, buying also gives you ownership of the vehicle, and you do not have to worry about mileage parameters.

Can I Finance the Car I Like Online?

You can! As we mentioned before, we are proud to have a safe and secure online form that you can use to apply for financing. You can access this form anywhere that you have an Internet connection -- whether you're at home, at the office, or even on the go. Furthermore, our online finance application is simple and comprehensive.

Can I Add Extended Warranties to My Nissan Vehicle? And If So, How?

In serving drivers all across Cape Coral and Lehigh Acres, we are proud to offer added coverage for those who want it. You can discuss this in more depth with our financing team, who can walk you through the benefits of these coverage options, and see which one may be right for your needs.

Is GAP Insurance Important?

When you own a vehicle, you need insurance on it before you are able to drive it off our lot. However, your insurance may not cover a "gap", so to speak, between what you owe and what your car is worth. So, for example, if your vehicle ends up totaled, your insurance may value your vehicle below what you owe. In this example, GAP insurance helps cover the difference between those values, taking the burden off your shoulders.

I'm Worried About My Credit Score. Can I Get a Car Loan?

If there's one thing we have learned here at Harbor Nissan, it's that a lot of drivers are worried about their credit score and how it can affect their purchasing options. Don't fret, though! Not only have we worked with all types of drivers, from all walks of life, but our financing team is well equipped to work with your specific circumstance. Our goal is to help drivers find their dream car, and we work hard to achieve that goal, even in specific types of circumstances.


Ready To Find Your Dream Car?

If you would like to learn more about our selection of Nissan models, or if you have any questions pertaining to the benefits they offer on the road, we invite you to visit us at Harbor Nissan, located in Port Charlotte, FL. Our team would be proud to help you schedule a test drive with your preferred model.

Visit us at your next opportunity and we can answer your questions! We are proud to serve drivers across Charlotte Harbor and North Port, too.

  1. Harbor Nissan

    4336 Tamiami Trail
    Port Charlotte, FL 33980

    • Sales: (941) 629-1171
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Get in Touch

  • Contact our Sales Department at: (941) 629-1171
  • Monday9:00AM-7:00PM
  • Tuesday9:00AM-7:00PM
  • Wednesday9:00AM-7:00PM
  • Thursday9:00AM-7:00PM
  • Friday9:00AM-7:00PM
  • Saturday9:00AM-6:00PM
  • Sunday10:00AM-4:00PM