2025 Nissan Altima Loan Calculator
Financing a 2025 Nissan Altima covers an affordably priced midsize sedan that offers available all-wheel drive, a relative rarity in this segment.
- MSRP range
- $26,820–$34,830
- EPA MPG
- 27 city / 38 hwy
- Typical prime APR
- 6.5%
- Body type
- sedan
Financing a Nissan Altima
Typical price and what buyers finance
The 2025 Altima carries an MSRP range of roughly $26,820 to $34,830, placing it among the more affordable midsize sedans. The lineup runs from the base S through SV, SR, and the top SL.
Most buyers choose the mid-grade SV or the sportier SR, which keeps the typical financed amount in the high $20,000s to low $30,000s. Adding the available all-wheel drive raises the price and the amount borrowed.
Loan terms and monthly payments
Altima buyers commonly finance over 60 to 72 months. Because the Altima's starting price is lower than some rivals, a 60-month loan can remain affordable for many buyers, though 72 months is also widely used.
Extending to 72 months reduces the monthly payment but increases the total interest paid over the loan. A shorter term builds equity faster and costs less in interest overall.
APR by credit tier and down payment
New-car APRs in 2025 depend on credit tier: prime and excellent borrowers (720 and above) generally see about 6 to 7 percent, near-prime and good credit (660 to 719) around 9 to 11 percent, and subprime applicants (below 660) often 13 to 15 percent or higher.
A down payment of about 10 to 20 percent helps keep the loan balance below the car's value and avoids negative equity. On the Altima's lower price point, a 15 percent down payment is a manageable dollar figure for many buyers.
Cost of ownership
The Altima returns an EPA-estimated 27 mpg city and 38 mpg highway on front-wheel-drive models, with all-wheel-drive versions slightly lower. It has a reputation as a practical, economical sedan, and its lower purchase price generally translates to modest insurance costs relative to pricier midsize and luxury competitors.
Since rates vary by lender and credit profile, comparing offers from multiple lenders, for example through a marketplace like LendingTree, can help buyers find a competitive rate on an already budget-friendly sedan.
Cost-of-ownership notes
- Available all-wheel drive is uncommon in the midsize-sedan class.
- Frequent incentives can lower the amount you finance.
- Resale value trails the Camry and Accord, so weigh depreciation.
- Comfortable seats and a quiet cabin suit high-mileage commuters.
Frequently asked questions
Does the Altima's all-wheel drive cost more to finance? +
Yes. The available all-wheel drive raises the purchase price, which increases the amount financed and the monthly payment. Front-wheel-drive trims keep the financed amount lower.
Is the Altima cheaper to finance than other midsize sedans? +
Its starting MSRP of about $26,820 is lower than several rivals, so the base financed amount tends to be smaller. That can mean a lower monthly payment at the same APR and term.
What term should I choose for an Altima? +
Many buyers use 60 to 72 months. Because the Altima starts at a lower price, a 60-month loan may stay affordable while saving interest compared with stretching to 72 months.
How does my credit score affect the rate? +
A score of 720 or higher generally earns the lowest rates, around 6 to 7 percent in 2025. Good credit falls near 9 to 11 percent, and subprime borrowers face higher APRs that raise total cost.
How much should I put down? +
About 10 to 20 percent of the price is a common guideline. On an Altima priced in the high $20,000s to low $30,000s, that is roughly $3,000 to $6,000.
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Estimates only, not financial advice. MSRP and fuel-economy figures are approximate; confirm current pricing and specifications with the manufacturer.