DigniFi Expands Automotive Point-of-Sale Financing to Nissan and INFINITI Dealerships

DigniFi has expanded its automotive point-of-sale financing platform to Nissan and INFINITI dealerships across the United States. For fintech professionals, this move signals the continued penetration of Buy Now, Pay Later (BNPL) into high-ticket service sectors, addressing consumer affordability hurdles while providing OEMs with a digital tool to capture deferred maintenance revenue.

What was announced

DigniFi is bringing its flexible financing and Buy Now, Pay Later (BNPL) solutions to the Nissan and INFINITI dealer networks throughout the United States. The platform is designed to address the "affordability barriers" that frequently cause vehicle owners to decline or delay necessary maintenance and repairs. By embedding these financial tools directly into the dealership workflow, the service is intended to increase repair order approval rates and bolster fixed operations revenue.

The offering is comprehensive, covering service, maintenance, repairs, parts, and accessories, as well as eligible protection products and tires. The technology utilizes a mobile-first approach, allowing customers to prequalify and receive a financing decision on their own devices within minutes. This integration allows dealership staff to introduce financing options at various touchpoints—including the service drive, parts department, or the F&I office—rather than waiting until the final checkout. To date, DigniFi has facilitated over $567 million in incremental transactions for automotive merchants. All credit products offered through the platform are issued by WebBank, ensuring a regulated framework for the lending activities. This rollout provides Nissan North America with a standardized digital financing option to help manage the total cost of vehicle ownership for its customer base, specifically targeting expenses like insurance deductibles and other ownership-related costs.

"Affordability has become one of the biggest challenges facing today's vehicle owners," said Taylor Nelson, VP of Commercial Partnerships of DigniFi. “Our work with Nissan North America gives dealers another way to help customers move forward with needed repairs and maintenance while creating new opportunities to improve retention, service revenue, and overall ownership experience."

Taylor Nelson, VP of Commercial Partnerships of DigniFi.

The companies involved

Founded in 2012, DigniFi operates as a fintech provider specifically tailored for the automotive sector. The company focuses on removing payment barriers at the point of sale for dealerships and service centers, supporting expenses ranging from insurance deductibles to vehicle protection products. Its business model relies on increasing conversion rates for merchants by providing inclusive financing options. The company's leadership includes Taylor Nelson, VP of Commercial Partnerships, and Susan Coyne, Senior Director of Marketing.

Nissan North America, Inc. serves as the regional headquarters for the Japanese automaker, overseeing the sales, marketing, distribution, and manufacturing of both the Nissan and INFINITI brands across the United States, Canada, and Mexico. The company’s focus on the vehicle lifecycle makes the integration of service-side financing a strategic fit for its dealership operations.

The financing backend is supported by WebBank, a significant player in the industrial bank space that frequently partners with fintechs to issue credit products. While DigniFi manages the merchant relationships and the digital interface, the underlying credit infrastructure is managed by this Utah-chartered institution, which has a history of facilitating diverse financial products for digital platforms. This partnership allows DigniFi to offer regulated credit products across a national footprint.

What FF News has reported before

FF News has previously covered the activities of DigniFi’s banking partner, WebBank, particularly regarding its involvement in the evolution of digital settlements. In late 2025, the bank was a key participant in a major industry collaboration as Ripple Teams up with Mastercard, WebBank, and Gemini to Bring Stablecoin Settlement with RLUSD to Improve Fiat Payments. This prior reporting highlights WebBank's role as a bridge between traditional banking infrastructure and emerging fintech solutions, a position it continues to occupy through its partnership with DigniFi in the automotive lending space.

What this means

This partnership underscores a significant shift in the BNPL landscape, moving beyond discretionary retail into essential, high-friction service categories like automotive repair. As vehicle ages rise and repair costs climb, the traditional "all-or-nothing" payment model at the dealership is under immense pressure. By embedding financing into the service drive, Nissan is effectively using fintech to protect its service margins against independent repair shops. The move raises questions for the broader industry about the long-term sustainability of niche-specific lending, especially as OEMs seek deeper control over the entire customer lifecycle through integrated financial services.