Finance Center

Patterson Nissan Texarkana

Flexible Financing
Made Simple

Whether you're buying new, certified pre-owned, or Patterson Certified — we'll find a payment plan that fits your budget and your lifestyle. Proudly serving drivers across East Texas.

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Why Finance With Us

A Better Way to Buy Your Next Vehicle

At Patterson Nissan, we believe getting behind the wheel should be exciting — not stressful. Our finance team works with dozens of lenders to secure the best rates for you.

Competitive Rates

We partner with national and local lenders to find the lowest APR available for your credit profile — saving you money over the life of your loan.

All Credit Welcome

First-time buyer? Rebuilding credit? No problem. Our finance specialists have helped thousands of East Texas drivers get approved.

Quick & Easy Process

Apply online in minutes and get a decision fast. We handle the paperwork so you can focus on choosing the perfect vehicle for your family.

How It Works

Your Road to Approval in 3 Easy Steps

Apply Online

Fill out our secure finance application right from your phone or computer. It only takes a few minutes and won't affect your credit score.

Get Matched

Our team reviews your application and matches you with the best financing options from our network of 30+ trusted lenders.

Drive Home Happy

Pick out your dream vehicle, sign your paperwork, and drive off the lot with confidence. It's really that simple at Patterson Nissan.

Payment Calculator

Estimate Your Monthly Payment

Use our free calculator to get a quick estimate of your monthly payment. Adjust the numbers to find a plan that works for your budget.

We're In Your Corner

Financing Built Around You

Flexible Terms

Choose from a range of loan terms — from 24 to 84 months — so your payment fits comfortably in your monthly budget.

Trade-In Accepted

We'll give you top dollar for your current vehicle and apply it directly to your down payment. Get a free appraisal today.

Vehicle Protection Plans

Add extended warranty coverage, GAP insurance, and maintenance plans to protect your investment and your peace of mind.

No Hidden Fees

Transparent pricing is a cornerstone of the Patterson experience. We'll walk you through every line of your contract.

Get Pre-Approved Today

FAQ

Common Finance Questions

What do I need to apply for financing?

You'll need a valid driver's license, proof of income (like a recent pay stub), proof of residence, and your Social Security number. If you have a trade-in, bring the title. Our team can guide you through everything — just give us a call!

Can I get approved with bad credit or no credit?

Absolutely. We work with a wide network of lenders who specialize in all types of credit situations. Whether you're a first-time buyer or rebuilding after a rough patch, we'll do everything we can to find you an approval.

Does applying online affect my credit score?

Our initial online application is a soft inquiry, which does not affect your credit score. A hard inquiry only occurs once you're ready to move forward with a specific loan offer.

How long does the financing process take?

Many of our customers are fully approved and driving home the same day. The online application takes just minutes, and our finance team works quickly to get you matched with the best rates available.

Can I refinance my current auto loan through Patterson?

We can certainly explore refinancing options for you. Reach out to our finance team and we'll review your current loan to see if we can help you secure a lower rate or better terms.

Get Started

Apply for Financing Online

Complete our secure credit application below to get pre-approved. It only takes a few minutes and our team will follow up with your personalized options.

Prefer to Talk to a Person?

Our finance specialists are standing by to answer your questions and help you find the perfect payment plan. Give us a call or stop by.

3707 Summerhill Rd, Texarkana, TX 75503

Flexible Financing Made Simple