The Nissan X-Trail was Australia’s 19th best-selling vehicle in 2025. The range runs from the ST two-wheel drive to the Ti-L e-Power hybrid four-wheel drive. New X-Trail prices run from $38,305 to $58,380, and NIK Finance compares car loans across 130+ lenders to find the right one for you.
An estimate is fine. You can change it later.
| Nissan X-Trail | |
|---|---|
| New price (2026 range) | $38,305 to $58,380 |
| Body types | SUV |
| Entry and top variants | St (2Wd) to Ti-L (4Wd) E-Power (Hybrid) |
| 2025 new sales | 15,708 (19th in Australia) |
Prices are list prices from Carsguide, based on Glass’s pricing data. Drive-away prices are higher once on-road costs such as registration and stamp duty are added.
The amount you borrow sets your repayments, and on a X-Trail it depends mostly on the variant and your deposit. These are the loan amounts before on-road costs, which some lenders let you include in the loan.
| Price point | No deposit | 10% deposit | 20% deposit |
|---|---|---|---|
| Entry price ($38,305) | $38,500 | $34,500 | $30,500 |
| Middle of the range ($48,500) | $48,500 | $43,500 | $39,000 |
| Top of the range ($58,380) | $58,500 | $52,500 | $46,500 |
The X-Trail range spans $20,075 from the entry variant to the top, so the variant you choose moves the loan far more than a small difference in interest rate. Settle on the variant and a realistic drive-away price first, then compare finance. Getting pre-approved before you visit the dealer lets you negotiate as a cash buyer and compare any dealer finance offer on equal terms.
See car loan pre-approval and new car loans.
Lenders finance used cars but limit how old a vehicle can be when the loan ends, so the model year affects the term you can get. Here is what earlier X-Trails sell for, and how old each would be at the end of a 5- or 7-year loan.
| Model year | Used price range | Age at end of a 5-year loan | Age at end of a 7-year loan |
|---|---|---|---|
| 2023 | $25,960 to $51,480 | 8 years | 10 years |
| 2021 | $17,820 to $50,160 | 10 years | 12 years |
| 2018 | $11,990 to $23,650 | 13 years | 15 years |
Used prices are Glass’s pricing data via Carsguide and vary with kilometres, condition and variant. Read more about used car loans.
Set to the entry price of a new X-Trail. Adjust the price, deposit, term, rate and balloon to see the repayments for the X-Trail you want. Your actual rate depends on your credit profile and the lender.
$614.04 a month at 7.5% p.a.
Car loan rates range from under 6% to over 20% depending on your credit profile, and dealer finance is rarely the sharpest. Your Kreddi Score shows your approval odds and likely rate before you apply, so a decline never lands on your credit file.
Estimates use average lender assumptions and are not an offer of credit. Your actual position depends on which of our 130+ lenders assesses you.
A new Nissan X-Trail is listed from $38,305 to $58,380 for the 2026 range. With a 10% deposit you would borrow about $34,500 for the entry variant or $52,500 for the top variant, before on-road costs. The repayment calculator on this page shows what that costs each month at the rate you enter.
Yes. A 2023 Nissan X-Trail sells for about $25,960 to $51,480 used. Lenders also consider how old the car will be when the loan ends: a 2023 model would be 10 years old at the end of a 7-year loan, so an older X-Trail may mean a shorter term.
Compare the extra loan amount and interest against the expected fuel savings over the years you will own it. A broker can show the repayment difference between the variants you are considering.
No. The e-Power is a hybrid, not a battery electric car, so it does not qualify. A novated lease is still possible, but the usual FBT rules apply.
Answer a few quick questions to see how lenders will view you for a X-Trail, then get a broker’s call back with real rates. No credit check.
Sources
Last reviewed 18 October 2026
NIK Finance Pty Ltd (ACN 685 393 917) is a Credit Representative (567387) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). This page is general information only and does not constitute financial advice. Consider your personal circumstances and speak with a licensed broker before applying for credit.