0% APR means you pay no interest: every dollar of your payment goes toward the amount you financed. On Nissan's current offer that works out to $16.67 a month for every $1,000 financed over 60 months, for qualified buyers through NMAC, through November 2, 2026. The real catch is credit approval and, sometimes, giving up cash back. Last reviewed September 25, 2026. How does 0% APR work? APR is the yearly cost of borrowing, including interest and certain fees. At 0%, that cost is zero, so the lender is simply splitting the amount you financed into equal monthly pieces. It is usually offered by the manufacturer's finance company, in this case Nissan Motor Acceptance Company (NMAC), as a way to help sell specific new models. You still pay taxes, tags and fees, either up front or rolled into the amount financed. What's the payment per $1,000 financed? On the current Nissan offer it is $16.67 per month for every $1,000 financed over 60 months, through November 2, 2026. That figure is just $1,000 divided by 60 months, rounded to the cent. To estimate your own payment, divide the amount you plan to finance by 1,000 and multiply by 16.67. $20,000 financed: 20 × $16.67 = $333.40 a month $30,000 financed: 30 × $16.67 = $500.10 a month These examples are before taxes and fees, and your down payment changes the amount financed, so your real number will differ. Because $16.67 is rounded, your retail installment contract shows the exact payment. Which vehicles have 0% APR right now? Through November 2, 2026, 0% APR for 60 months applies to new 2026 Nissan Rogue, Frontier, Pathfinder, Murano and Rogue Plug-In Hybrid models from dealer stock. Frontier S trims are excluded. If you are still choosing between Rogue trims, our 2026 Rogue trims guide or Murano trim guide can help. Why is it only 60 months? Because that is the term Nissan set for this offer. The 0% rate is tied to the 60-month term; it does not stretch to longer terms. A shorter term also means you build equity faster, since each payment is pure principal. If a 60-month payment is more than you want, a larger down payment or a trade-in lowers the amount financed. You can ask us what rates apply to other terms, but do not assume they are 0%. Who qualifies for 0% APR? Qualified buyers financing through NMAC, subject to NMAC credit approval, vehicle eligibility and residency restrictions. Not all buyers qualify. NMAC uses credit tiers, and the 0% rate goes to applicants who land in the qualifying tier. We cannot tell you a specific credit score that guarantees approval, because NMAC looks at more than a single number. The practical way to find out where you stand is to get pre-approved before you pick a vehicle. Is 0% APR better than cash back? It depends on the numbers. Manufacturers sometimes offer a choice: 0% financing or a cash rebate with standard-rate financing, not both. Offers are separate and cannot be combined. Here is a transparent comparison using hypothetical figures, not a current Nissan offer. Hypothetical setup: a $30,000 amount to finance, a hypothetical $3,000 rebate, and a hypothetical 6.9% APR from a bank or credit union, both over 60 months. Option Amount financed Monthly payment Total paid over 60 months 0% APR $30,000 $500.10 $30,006.00 Hypothetical $3,000 rebate at hypothetical 6.9% $27,000 $533.36 $32,001.56 The rebate payment uses the standard loan formula: payment = amount × r ÷ (1 − (1 + r) raised to the power of −60), where r is the APR divided by 12 (here, 0.069 ÷ 12 = 0.00575). In this example, 0% saves about $33 a month and about $1,996 over the loan. At 6.9%, the rebate would need to be roughly $4,689 or more before it came out ahead. A lower outside rate or a bigger rebate can flip the answer, and if you are paying cash, a rebate is usually the simpler win. What does "no payments until January 1, 2027" mean? It is a separate offer on select vehicles for qualified buyers financing through NMAC, through December 30, 2026. Your first payment is not due until January 1, 2027. It is not a payment holiday on interest: interest and finance charges, if applicable, accrue according to your retail installment contract. It cannot be combined with the 0% APR offer, so compare the two on your own numbers. Next step The fastest way to know whether 0% APR fits your budget is to see what you are approved for. Get pre-approved online, then compare eligible models on our current specials page. Nissan of Bowie is at 2200 Crain Hwy, Bowie, MD 20716, serving Prince George's County and nearby Central Maryland; sales is at (301) 867-7464. Frequently asked questions Is there really no interest at 0% APR? Yes. At 0% APR there is no interest charge on the amount financed. You still pay taxes and fees, and those can be added to the amount you finance. Can I use 0% APR on a used or certified pre-owned vehicle? No. The current 0% offer applies to eligible new 2026 models from dealer stock, through November 2, 2026. Pre-owned shoppers can look at the separate $500 off qualifying pre-owned vehicles offer, also through November 2, 2026. Does a down payment change my payment at 0%? Yes. Every $1,000 you put down lowers the payment by about $16.67 a month on the 60-month offer, because there is no interest to offset. Can I combine 0% APR with other offers? No. Offers are separate and cannot be combined. If more than one offer applies to a vehicle, we can show you the numbers side by side. 0% APR for 60 months at $16.67 per month per $1,000 financed on new 2026 Nissan Rogue, Frontier (excluding S trims), Pathfinder, Murano and Rogue Plug-In Hybrid from dealer stock, for qualified buyers financing through NMAC; offer ends November 2, 2026. Subject to NMAC credit approval, vehicle eligibility and residency restrictions. Not all buyers qualify. No payments until January 1, 2027 on select vehicles for qualified buyers financing through NMAC through December 30, 20 26; interest and finance charges, if applicable, accrue according to the retail installment contract. $500 off qualifying pre-owned vehicles through November 2, 2026; qualifying inventory only. Offers are separate and cannot be combined. Payment examples exclude taxes, title, registration and fees; down payment varies. Rebate and outside-rate figures in the comparison are hypothetical, for illustration only, and are not current offers. This article is general information, not financial advice. See Nissan of Bowie for complete details.
What's My Car Worth as a Trade-In? A Bowie, MD Guide
Your trade-in value depends mostly on your vehicle's year, mileage, condition and current market demand. The quickest way to get a number is the online trade-in estimate on our site; Nissan of Bowie then confirms the final value when we see the vehicle at 2200 Crain Hwy in Bowie. In Maryland, your trade-in can also lower the tax you pay on your next vehicle. Last reviewed September 25, 2026. What decides what my car is worth? Year, make, model and trim. Some models hold value better than others, and higher trims usually bring more. Mileage. Lower miles for the vehicle's age generally mean a higher value. Condition. Body damage, worn tires, interior wear and warning lights all lower the number. Clean, well-kept vehicles appraise higher. History. Accidents and title issues reduce value. Service records help show the vehicle was maintained. Market demand. What similar vehicles are selling for right now in the Maryland market matters as much as the vehicle itself. How do I get a trade-in estimate? Start online. Enter your vehicle's details on our Value Your Trade page for an estimate before you visit. Bring the vehicle in. Our team looks at condition, mileage and history in person to confirm the final number. Apply it to your next vehicle. The trade value goes toward your purchase and lowers the amount you pay or finance. An online estimate is a starting point, not a final offer, because condition can only be confirmed in person. Does a trade-in lower my tax in Maryland? Yes. When you buy from a dealer, Maryland calculates the vehicle excise (titling) tax on the price after the trade-in allowance is subtracted. The rate is 6.5% for most vehicles as of July 1, 2025, according to the Maryland MVA. Example: on a $35,000 vehicle with a $10,000 trade-in, tax is figured on $25,000. At 6.5%, that is $1,625 instead of $2,275, a difference of $650. This example is illustrative; your figures depend on the actual price, trade value and fees. What if I still owe money on my car? You can still trade it in. The lender's payoff amount is settled as part of the purchase. If your trade is worth more than you owe, the difference goes toward your next vehicle. If you owe more than it is worth (negative equity), the difference has to be paid or added to your new loan, which raises your payment, so it is worth knowing your payoff before you shop. What should I bring? Your title, or your lender's name and account information if you still owe on it Current registration All keys and key fobs Service records, if you have them How can I get the most for my trade? Clean it inside and out, and remove personal items. Bring every key. A missing key fob can lower the offer. Take care of small, inexpensive fixes like a burned-out bulb. Have your service records ready. Next step Get your trade-in estimate, then browse new Nissan inventory or pre-owned vehicles. If you plan to finance, you can also apply online first. Nissan of Bowie is at 2200 Crain Hwy, Bowie, MD 20716; sales is at (301) 867-7464. Trade-in values are estimates until the vehicle is inspected in person and depend on condition, mileage, history and market conditions. Tax example is illustrative only and is not tax advice; taxes and fees depend on the actual transaction. See Nissan of Bowie for details.