How Do I Apply for a Hardship to Defer a Payment with Nissan Credit?

In a nutshell: Nissan customers facing financial hardships, such as medical emergencies or job loss, can apply for payment extensions or deferrals on their loans. To assess eligibility, contact the Nissan Customer Relations Department during business hours, providing personal and account details. Alternatively, customers can use

Introduction

Nissan customers can apply for a hardship to get a payment extension or defer a payment with their Nissan credit. You can do this when unexpected medical emergencies or job loss affect your ability to pay your loans on time. Nissan may be able to grant your request, depending on your loan history and other factors. If you've been struggling financially and are unable to pay your remaining installments, please get in touch with Nissan to request a payment extension. Read this guide, and we'll help you contact Nissan to defer a payment.

Contact the Customer Relations Department

To find out whether you qualify for an extension, contact the Nissan Customer Relations Department directly. You can explain your situation, and their Finance team will review your account to determine if an extension is available.

Please note that the Nissan Customer Relations Department is not available 24/7. Be sure to call only during business hours, Monday through Friday. Refer to the photo for their operating hours and the correct phone number.

Note: When you call, Nissan may need to verify your account to confirm that you are the account holder. Be prepared to provide personal details, contact information, and your account number. Having these details ready before calling will help ensure a smooth process.

How Do I Apply for a Hardship to Defer a Payment with Nissan Credit? (Step 1)

Chat With a Representative

If you’re unable to call Nissan, you can also contact them via live chat. Simply tap the Live Chat button located in the lower right corner of the website. Enter your first name, last name, and account number, then select Past Due Account as the subject and click Click to Chat.

Once connected, explain your situation and ask whether you can apply for a hardship option to defer your payment or request an extension. Depending on your loan history, Nissan may be able to restructure your loan, helping protect your credit and allowing you to take advantage of future loan offers.

How Do I Apply for a Hardship to Defer a Payment with Nissan Credit? (Step 2)

Write to Nissan

The best way to contact the Nissan Customer Relations Team is by phone or live chat. However, if neither option is possible, you may also write to them. Refer to the photo for their P.O. Box address.

If you plan to write to Nissan, be sure to do so at least one to two weeks before your due date. Clearly explain your financial situation and apply for a hardship option to request a payment deferral.

How Do I Apply for a Hardship to Defer a Payment with Nissan Credit? (Step 3)

Conclusion

When you request an extension with Nissan, it means that the maturity date on your account will be extended as well. It also means that you may incur additional interest on your account. If you set up automatic payments, be sure to cancel this when requesting an extension. Nissan also allows another party or person to take over your payments, in case you no longer want to continue doing business with Nissan. However, they still need to submit a credit application and get approved. Do you have further questions about requesting a payment extension? Contact Nissan Customer Support today.

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