What to do when a Nissan Finance (NMAC) account holder dies
Report the death to Nissan Finance (NMAC)'s Customer Service at 1-800-456-6622
When an account holder at Nissan Finance (NMAC) dies, the executor contacts the Customer Service (1-800-456-6622) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Nissan Finance (NMAC).
Death claim process
Follow these steps to file a death claim with Nissan Finance (NMAC):
Filing a claim
- Ask NMAC which documents it needs
- The INFINITI Finance article on a deceased account holder gives the same number, 1-800-456-6622
- Get a payoff quote from NMAC
- Mail the full payoff amount, with the account number, to Nissan Motor Acceptance Company LLC, P.O. BOX 740615, Cincinnati, OH 45274-0615 (INFINITI: INFINITI Financial Services at the same P.O. box)
- Depending on the state where the title is held, a certified check speeds the release of the title or lien release
- NMAC does not release the title or issue a lien release until all payments made toward the payoff have fully cleared
- The title or lien release is then mailed within 10 business days. In states with an electronic title system, the state mails the title, which can take up to 6 weeks
Required Documents
- The legal documents necessary to proceed, after a spouse, family member, or estate executor contacts NMACNMAC reviews them before the account can proceed.
- The account number, with a mailed payoff
What happens to each kind of account2
- Loan
Interest on a retail installment account accrues daily until the account is paid off.1
NMAC does not refinance vehicles: it is an indirect lender, and it refers customers to a local bank or credit union.2
A Transfer of Equity/Lease may let the original customer transfer the vehicle to a new customer, who agrees to pay the remaining installments. It does not release the original buyer or lessee from the contract. Customer Service sends the application on request.3
- Vehicle lease
NMAC lists three end-of-lease options: replace the vehicle with a new Nissan, purchase it for the amount agreed to in the lease agreement, or return it.4
A lease purchase may carry sales tax, vehicle registration fees, a purchase option fee of up to $300, and other charges. The Nissan/INFINITI Lease Customer Network gives the final payoff amount including them.5
State requirements Nissan Finance (NMAC) statesFlorida
- Florida
For a Florida title, NMAC says to contact the local county tax assessor's office for the title to be released.6
What Nissan Finance (NMAC) provides to the estate1
- Payoff statement
NMAC gives a payoff quote and a payoff letter for a retail account. Payoffs are valid for 10 days and include 10 days of interest, and the total payoff amount may change while payments clear.7
Not in Nissan Finance (NMAC)'s published guidance2
- How long a claim takes
- A claim form
Sources7
- 1.Understanding Simple Interest, Last Updated Nov 18, 2024
- 2.Can I Refinance My Vehicle Through NMAC?, Last Updated Aug 31, 2021
- 3.Can I Transfer My Vehicle to Someone Else?, Last Updated Aug 11, 2021
- 4.What Are My End of Lease Options?, Last Updated Aug 25, 2021
- 5.Can I Purchase My Leased Vehicle?, Last Updated Feb 13, 2024
- 6.My Account Is Paid Off, When Should I Expect My Title?, Last Updated Feb 13, 2024
- 7.Where Can I Find My Payoff Amount and Instructions?, Last Updated Sep 21, 2026
Nissan Finance (NMAC)'s Customer Service can be reached by phone at 1-800-456-6622 for questions throughout the claims process.
Sources
Data sourced from Nissan Finance (NMAC) primary sources (20 pages reviewed). How we research.
Nissan Finance (NMAC) death claims support
Customer Service
Estate planning articles
Learn how to protect your Nissan Finance (NMAC) accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
