Nissan Motor Acceptance SCRA: 6% Cap, Fee Waiver, and the DOJ Case

Nissan Motor Acceptance Company is the captive lender behind Nissan dealer financing and leasing, and INFINITI Financial Services runs on the same servicing operation. NMAC does something most captives do not: it names a dedicated desk, the Military Center of Excellence, and prints its phone, email, fax, and mailing address on a help-center article titled “SCRA Program Information” (last updated August 16, 2022, read August 15, 2026). The article also lists the benefits in plain terms, including the 6% rate and a waiver of certain fees.

The reason to read the whole page rather than just the phone number is the company’s history. NMAC settled with the Justice Department in 2019 for $3 million over repossessions and lease refunds, and both problems map onto rights you are about to exercise.

On a $28,000 Nissan retail contract at 11%, the cap forgives roughly $1,400 of interest in the first year, and NMAC’s fee waiver comes on top of that. Model your own contract in the savings calculator.

What NMAC publishes

The 6% cap and its retroactive credit come from § 3937, which also defines fees as interest, so “certain fees” is NMAC’s phrasing for a duty the statute already imposes on any charge except bona fide insurance. Repossession without a court order is barred by § 3952 on any purchase or lease contract where you paid a deposit or installment before entering service. Lease termination is § 3955.

The 2019 settlement

The Justice Department filed a complaint and a settlement agreement on the same day, August 1, 2019, in United States v. Nissan Motor Acceptance Corp. (M.D. Tenn.). It alleged a pattern or practice of repossessing vehicles owned by 113 protected servicemembers without the required court orders, and a second pattern of failing to refund lease amounts paid in advance as capitalized cost reduction to servicemembers who terminated leases early after receiving qualifying orders. NMAC agreed to pay $2,937,971 in damages to servicemembers and a $62,029 civil penalty, $3 million in total, and to adopt new policies and training. The full record is in the enforcement ledger and on the Nissan case page.

Filing with the Military Center of Excellence

File your SCRA request with NMAC

1. Confirm the retail contract or lease was signed before your active-duty start date, and pull the NMAC or IFS account number.
2. Assemble what NMAC asks for: the servicemember’s name and date of birth, the account number, a copy of the active-duty orders, and proof of relationship if a spouse or dependent is filing.
3. Send it to SCRA@nmac.com, fax (972) 607-7339, or mail NMAC, Attn: Military Center of Excellence, P.O. Box 660360, Dallas, Texas 75266-0360 (Infiniti contracts: same address, addressed to IFS). Questions go to (844) 992-0288, Monday to Friday, 7 a.m. to 5 p.m. Central. If your account is in New York, California, Texas, or Florida, the Secure Contact Form after login is a fourth route.
4. Attach a § 3937 letter from the letter generator so the request names the statute and the type of relief you want (rate cap, fee waiver, lease termination, or all three).
5. Expect a response within 3 business days. Confirm in writing that the 6% rate runs from the date of your orders, that the fee waiver is on the account, and that your payment dropped.
6. If a repossession is threatened or a lease refund is short, do not wait: see what to do when a lender denies or stalls.

Where Nissan and Infiniti borrowers get tripped

“If applicable” means pre-service. NMAC’s rate line carries that qualifier because the cap only reaches contracts you signed before active duty. A Nissan financed after you shipped is outside § 3937, and a purchase-money auto loan is outside the Military Lending Act too (see MLA vs SCRA). Check the date on the retail installment contract, not the date you started paying attention.

The online form is a four-state door. NMAC’s Secure Contact Form for SCRA requests is currently limited to New York, California, Texas, and Florida. Everyone else uses email, fax, or mail. Email is the fastest paper trail; keep the sent copy.

Lease refunds are where the money hides. The 2019 case was not only about tow trucks. NMAC also failed to refund capitalized cost reduction, which is the down payment on a lease, when servicemembers terminated on orders. § 3955 requires advance amounts to be refunded within 30 days of the termination date. If you end a Nissan or Infiniti lease on PCS or deployment orders, ask for the refund calculation in writing.

A repossession needs a judge, not a notice. If you paid a deposit or an installment before entering service, NMAC cannot repossess for a breach without a court order. That is the exact conduct behind the 113 repossessions in the 2019 complaint. A repossession without an order is an enforcement claim, not a customer-service ticket; see how to make a lender pay.

Two brands, one team. Nissan and Infiniti requests land at the same Dallas desk and the same email, but each brand’s help article tells you to address the mailing to NMAC or IFS respectively and to quote that brand’s account number. Send one request per account.

See where NMAC lands against other captives on the bank leaderboard. If you overpaid before filing, the refund guide covers the backdated credit.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute.