Nissan Motor Acceptance Corp Charges almost 29k on a 28k loan Nationwide

I can post my experience as I choose.  That's the nice thing about a rebuttal button.  We can choose to post as well to point out that your situation was self-inflicted.  Complaining about it 3 years after the fact is Buyer's Remorse.

I wouldn’t doubt if you are an employee of NMAC responding as a consumer because you sure are defending the company like you have stock in them  No one who posts here is an employee of any company, or likely owns stock in them, and even if they did, one complaint or several would not be harmful to the stock price.  I also don't see anywhere in which the company requires a defense based on your missive.  You entered into an agreement, you knew the terms and conditions of the loan, and in hindsight you were not equipped to handle it.  You want to assign fault to the finance company because you had a credit score in the low 500's, had 3 small children, and rented an apartment making $40K per year?  Mistake on your part?  YES.  Fault?  No.

I's sort of like getting arrested by the police for being out at night and violating curfew and then blaming your parents for your arrest because they didn't put a lock on your bedroom window.

The only thing people should take away from your situation is that you should NOT get a loan at 18.81% because it will only inflict more pain on you.  I mean that's a moment of duh for most people, but that's the only takeaway they should get.  Doesn't matter if the finance company is associated with Nissan, Toyota, Ford, GM, or any car company.

 Hey Little Jenny...if you don't like it when people tell it like it is, don't post on a PUBLIC site! Of course, if you were smart enough to offer a point-by-point rebuttal for what Robert said, that would be worth reading. However, you cannot and you know it and your feeble, immature, nonsensical response is "you must work for them." That's the usual and typical response of the weak minded who know the nail has been hit very squarely and perfectly on the head and they can't put together an intelligent rebuttal! We've all seen it here hundreds of times and isn't surprising at all! So go ahead and say the same about me, Little Jenny. To bring out the stupidity of your responses ahead of time, I'll tell you right now, I don't work for them and neither does Robert! Now, go get your bottle and go beddy bye!

 Robert how about you get a life and find something else to do. I didn’t even read your response past the first 3 sentences. I can post my experience as I choose. I wouldn’t doubt if you are an employee of NMAC responding as a consumer because you sure are defending the company like you have stock in them. So find something else to do with your time beside breakdown what I shared as a warning to others. Thanks in advance.

You are an adult..right? If the dealer was moving too fast, it is YOUR responsibility to get them to slow down until you understand. If they refuse..it is your responsibility to walk.

It was your choice to accept an 18.81% interest loan on an almost 29K car. Based on the numbers, your monthly payment is a bit more than $500/month. It is YOUR responsibility to understand if you can afford the amount. You didn't mention the length of the loan, but based on this it is probably around a 7 year loan. As with all loans, you pay more interest in the beginning than you do at the end of the loan. With a High Interest/Low Downpayment loan you have, a single late payment could erase several MONTHS of payments you made.

I was a prime target to default on my loan and potentially lose my car and ruin my credit.
- Sorry to tell you but wtih a credit score in the low 500's your credit was already ruined, which is why you were in this position in the first place.

The dealer nor the bank even asked for proof of income.
- The only time that would matter is if you were not being truthful about your income.