Apply for Car Financing & Get Pre-Qualified Near Phoenix, Glendale, Peoria & Avondale

Welcome to Coulter Nissan's Finance Department in Surprise, your auto loan and car lease resource. We take the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

Here at Coulter Nissan, we do everything we can to make buying your next new or used car a breeze, and that includes demystifying auto financing. We have a group of Nissan lease and car loan experts here at our dealership that are passionate about their work. That, of course means they are going to do their best to ensure your satisfaction by negotiating the right car loan or Nissan lease rates for you. Sound good? Ready to apply or find out more?

Click the button below to submit an online car financing application form. Of course, we can also schedule some face time at our new Nissan showroom, which is located at 13301 N Autoshow Ave Surprise, AZ 85388. A quick drive from anywhere in the West Valley including Surprise, Glendale, Peoria, Avondale, Goodyear and Sun City areas.
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Should You Buy or Lease Your New Vehicle?

Deciding whether to buy or lease your next Nissan comes down to how you drive, how long you plan to keep your vehicle, and what kind of monthly payment flexibility you want. Both options offer unique advantages, and understanding the differences can help you choose the smartest financial path. Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Leasing may be right for you if you:
  • Want lower monthly payments
  • Prefer driving a new vehicle every few years
  • Drive a predictable number of miles annually
  • Like having the latest technology and safety features
  • Want minimal maintenance concerns during the lease term
At Coulter Nissan, our finance team works with drivers across Surprise, Peoria, Glendale, and the West Valley to match each customer with the option that best fits their lifestyle and budget.

Benefits of Financing vs. Leasing

Customers who intend to hold onto their vehicle for a while should consider a car loan. Our flexible auto financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle. Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

Financing your new or pre-owned vehicle offers long-term value, flexibility, and ownership advantages that many drivers prefer. Especially if you plan to keep your vehicle for several years. With competitive auto loan options and flexible terms, financing can be a smart way to control costs while building equity in your vehicle.

Financing may be right for you if you:
  • Want to own the vehicle and build equity
  • Prefer no mileage limits or usage restrictions
  • Desire freedom to customize and personalize
  • Need flexible loan terms to match your budget
  • Are looking for long-term cost savings over leasing

Flexible Credit Options for Every Buyer

No two financial situations are the same, and your vehicle financing shouldn't be either. That's why we offer flexible credit options designed to help a wide range of buyers, from first-time car shoppers to those rebuilding credit. Our finance team works with multiple trusted lenders to explore competitive auto loan options, whether you have excellent credit, limited credit history, or past challenges. We focus on finding solutions that fit your budget and help you move forward with confidence.

Flexible credit benefits include:
  • Options for good, fair, and challenged credit
  • Support for first-time buyers
  • Access to competitive rates when available
  • Clear guidance throughout the approval process
Coulter Nissan can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

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Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options and get them in a ride that works for them.
All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Coulter Nissan has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.
In many cases, financing decisions can be made quickly, sometimes within minutes after submitting an application. Approval times may vary based on credit history and lender requirements, but our team works to provide clear answers as fast as possible.
Most financing applications require a valid driver’s license, proof of income, and proof of residence. Additional documentation may be requested depending on your individual situation and lender guidelines.
Yes. You can apply for financing online before your visit to save time and shop with confidence. Getting pre-qualified ahead of time helps you understand your budget and streamlines the in-store process.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
  • End of the month/quarter/year: Dealers have sales quotas and are more likely to cut deals to hit targets
  • Holiday sales events: Memorial Day, Labor Day, and Black Friday often bring big discounts
  • Model-year changeovers (late summer/fall): When next year’s models arrive, dealers discount current-year models
  • Winter in Phoenix: Car sales slow down after the holidays, and you may find extra incentives
  • End of tax season: Put that refund to use! And remember, the tax incentive in the One Big Beautiful Bill makes buying a smart move


  1. Coulter Nissan

    13301 N Autoshow Ave
    Surprise, AZ 85388-5090

    • Sales: (623) 207-9156
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Coulter Nissan takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

Get in Touch

  • Contact our Sales Department at: (623) 207-9156
  • Monday8:00AM - 8:00PM
  • Tuesday8:00AM - 8:00PM
  • Wednesday8:00AM - 8:00PM
  • Thursday8:00AM - 8:00PM
  • Friday8:00AM - 8:00PM
  • Saturday8:00AM - 8:00PM
  • Sunday10:00AM - 6:00PM