NR Finance México

What NR Finance México does

NR Finance México, S.A. de C.V. (NRFM) is a captive automotive financing company founded in 2003 and headquartered in Mexico City, operating as a Sociedad Financiera de Objeto Múltiple (SOFOM) since 2006 and as a regulated entity (Entidad Regulada) since 2015. NRFM provides financing, leasing, and related financial products exclusively for vehicles from four OEMs within the Renault-Nissan-Mitsubishi Alliance in Mexico: Nissan, Renault, Infiniti, and Mitsubishi Motors. The company serves individual consumers, self-employed buyers, taxi operators (CrediTaxi®), SMEs, and corporate fleet customers, distributed through authorized dealerships, four brand-specific customer portals (credinissan.mx, renaultsf.mx, infinitifinance.mx, mitsubishimotorsfs.mx), and a NECC-certified contact center in Aguascalientes.

NRFM's product portfolio spans traditional credit, pure leasing, and flexible-ownership programs (SELECTIVITI®, Multiestreno®, Plan Súbete®, CrediTaxi®, Llévatelo con Renault®), pre-owned vehicle financing for vehicles up to 10 years old (NR Seminuevos), fleet solutions (NR Fleet), and a suite of add-on products including extended warranties, prepaid maintenance, GAP/Value Invoice coverage, deductible financing, and insurance brokered through its subsidiary Anzen Broker. Underlying technology components include the Cotizador online quote tool, the Firma Autógrafa Digital (FDA) remote-signature platform, an automatic credit-approval engine for dealer use, and a proprietary in-house credit scoring model. NRFM also operates Anzen Concierge for claims management and Renault Box for tiered service coverage.

Revenue is generated primarily through interest, origination fees, and ancillary fees on auto loans and leases, with additional commissions and fees from Anzen Broker insurance and add-on products. Pricing varies materially by model and term, with advertised rates of 4.99%–15.99% and CAT (Total Annual Cost) of 16.9%–18.6% without IVA. As of 2018, NRFM reported more than 620,000 active customers and over one million cumulative contracts since inception; in 2017 the company held 20.7% market share in Mexican auto financing, 50% penetration of Nissan unit sales, and the industry's lowest delinquency rate. Operations are exclusively domestic (Mexico); headcount is not disclosed.

Name

NR Finance México

Legal name

NR Finance Mexico, S.A. de C.V.

Website

https://nrfm.mx

Company type

Private

Founded year

2003

Operating status

Operating

Short description

NR Finance México is the captive auto-finance provider for the Renault-Nissan-Mitsubishi Alliance in Mexico, offering credit, leasing, and insurance products for Nissan, Renault, Infiniti, and Mitsubishi vehicles to consumers, SMEs, taxi operators, and corporate fleets.

Ownership category

akta.pro rank

Product category

Automotive Financing

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Finance Lessors (6172), Personal Credit Institutions (6141)

akta.pro primary industry

Automotive & Mobility Manufacturing (FSABACAE)

akta.pro secondary industries

Distributor & Dealer Finance (Channel Financing) (FSABAHAE), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Automotive financing
• Auto loans
• Vehicle leasing
• Captive finance
• Fleet financing

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Auto Financing - Credit: Traditional auto loans for purchasing new and seminuevo (used) vehicles with fixed or variable interest rates, down payments starting from 10%, and terms from 12 to 72 months. Revenue generated from interest payments, origination fees, and insurance integration.
2. Auto Leasing: Pure lease arrangements for vehicles allowing customers to make fixed monthly payments with potential tax deductions. At lease end, customers can return, purchase, or upgrade the vehicle. Popular programs include SELECTIVITI, Plan Leasing, and Multiestreno.
3. Insurance Products (Anzen Broker): Multi-year insurance policies bundled with financing, offering competitive premiums and deductibles. Operated through Anzen Broker, a subsidiary. Includes coverage for new vehicles (Value Invoice 2 years), public transport, private drivers, and fleet insurance.
4. Additional Products: Extended warranties, prepaid maintenance, deductible financing, content theft insurance, key replacement insurance, GAP insurance, and value invoice extensions sold as add-ons to existing credit/lease agreements.
5. Fleet Financing: Specialized financing solutions for business fleets including PyME plans, fleet plans, and customized arrangements with consolidated billing, accessories financing, and gestoria services.
6. Used Vehicle Financing (Seminuevos): Financing for used vehicles up to 10 years old, with customized terms based on vehicle age and model year.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

NR Finance México is the captive automotive financing arm of the Nissan-Renault-Mitsubishi alliance in Mexico, providing credit, leasing, and flexible ownership plans for new and pre-owned vehicles across the four brands. It also offers fleet financing for businesses (PyME and flotillas), insurance brokerage through subsidiary Anzen Broker, and digital self-service tools such as the Firma Autógrafa Digital (FDA) remote signing platform and online Cotizador quotation system. The company distributes primarily through authorized dealer networks and brand-dedicated customer portals and contact centers.

Product overview

NR Finance México operates as an automotive financing company offering a multi-brand portfolio of financing products under four brand-specific services: Credi Nissan, Renault Servicios Financieros®, Infiniti Financial Services®, and Mitsubishi Motors Financial Services®. The product portfolio includes traditional credit, leasing, and flexible programs like SELECTIVITI® and Multiestreno® that allow vehicle changes at term end. Additional offerings encompass fleet financing through NR Fleet, pre-owned vehicle financing through NR Seminuevos (financing vehicles up to 10 years old), insurance brokerage via Anzen Broker with multi-year policies, and digital tools including the FDA digital signature platform and online quote calculator. The company targets individual buyers, self-employed individuals, taxi operators, SMEs, and fleet operators across Mexico.

Differentiator

Problem solved

Functional benefit

Brands

• Anzen Broker: Insurance brokerage services for automotive insurance products
• Anzen Concierge
• Credinissan
• CrediTaxi
• Plan Sube
• Selectiviti
• Plan PyME
• Plan Carreras

Products and services

• Credi Nissan - Crédito Nissan
• Credi Nissan - Plan Leasing
• Credi Nissan - SELECTIVITI®
• Credi Nissan - Plan CrediTaxi®
• Credi Nissan - Plan Súbete®
• Credi Nissan - Plan PyME Leasing
• Renault Servicios Financieros® - Plan Renault
• Renault Servicios Financieros® - Leasing
• Renault Servicios Financieros® - Llévatelo con Renault®
• Renault Servicios Financieros® - Plan CrediTaxi®
• Renault Servicios Financieros® - Multiestreno®
• Infiniti Financial Services® - Crédito INFINITI®
• Infiniti Financial Services® - Plan Leasing
• Infiniti Financial Services® - Plan SELECTIVITI®
• Mitsubishi Motors Financial Services® - Crédito Mitsubishi®
• Mitsubishi Motors Financial Services® - Mitsubishi Leasing
• Mitsubishi Motors Financial Services® - Mitsubishi Posible
• Mitsubishi Motors Financial Services® - Plan Reestreno®
• Mitsubishi Motors Financial Services® - Plan CrediTaxi®
• NR Fleet - Flotillas para Empresas
• NR Fleet - Flotillas Leasing Puro
• NR Seminuevos
• Anzen Broker - Seguros (Insurance Brokerage)
• Firma Autógrafa Digital (FDA)
• Cotizador (Online Quote Tool)

Quantifiable outcome

• 20.7% market penetration in auto financing industry (2017)
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Mitsubishi Motors de México, S.A. de C.V.coreOEM/ Whitelabel/ Licensing Partner · 1 January 2019Alliance expanded in 2019 when NR Finance México began financing Mitsubishi Motors vehicles. NRFM offers credit, leasing, CrediTaxi, and fleet financing through Mitsubishi Motors Financial Services brand.
• INFINITI Financial Services MéxicocoreOEM/ Whitelabel/ Licensing Partner · 1 January 2011Created in 2011 when INFINITI launched in Mexico, NRFM operates the captive financing for INFINITI vehicles under the Infiniti Financial Services brand. Offers specialized luxury financing including leasing, credit, SELECTIVITI plans, and fleet solutions for INFINITI vehicles.
• NAFIN (Nacional Financiera)supportingStrategic or Co-development Partner · 1 January 2008First program with NAFIN launched in 2008 for taxi financing in Mexico City. In 2010, NRFM launched the first NAFIN program focused on PyMEs (small and medium enterprises), providing subsidized financing for business vehicle purchases.
• Renault de México, S.A. de C.V.coreOEM/ Whitelabel/ Licensing Partner · 1 January 1999Part of of the Nissan-Renault Alliance since 1999. NRFM operates as the captive financier for Renault vehicles through Renault Servicios Financieros brand, offering traditional credit, leasing, Llévatelo, CrediTaxi, and Multiestreno programs.
• Nissan Mexicana, S.A. de C.V.coreOEM/ Whitelabel/ Licensing PartnerNissan Mexicana is the core OEM partner for NR Finance México. NRFM operates as the exclusive captive financing company for Nissan vehicles in Mexico, offering financing products under the Credi Nissan brand. The partnership includes dealer network integration, sales support, and coordinated marketing efforts. NRFM holds 50%+ penetration in Nissan sales and is the primary financing provider for all Nissan models including Versa, Kicks, Sentra, X-Trail, Frontier, Pathfinder, and others.
• Anzen Broker (Agente de Seguros, S.A. de C.V.)coreStrategic or Co-development PartnerAnzen Broker is a subsidiary insurance broker operating since 2015 that handles all insurance products offered through NRFM financing. Provides multi-year insurance policies with competitive premiums, zero premium increases during policy term, and Value Invoice coverage for 2 years. Also operates the Anzen Concierge service for claims management.
• Insurance Partners (MAPFRE, GNP, and Third Insurer)supportingStrategic or Co-development PartnerNR Finance México has exclusive agreements with three major insurance companies (referred to as the three main aseguradoras del país) providing special insurance products designed for financed vehicles. MAPFRE and GNP are specifically mentioned for Renault products.

Scale indicators10 records

Recent moves15 records

Expansion highlights6 records

Direct peers

• Toyota Financial Services México: Captive auto finance arm for Toyota in Mexico, offering consumer credit, leasing, and fleet financing for Toyota and Lexus vehicles — the closest direct head-to-head competitive comparable to NR Finance's captive model across Nissan/Renault/Infiniti/Mitsubishi.
• Volkswagen Financial Services México: Captive auto finance provider for Volkswagen, SEAT, CUPRA, and Audi brands in Mexico, offering credit, leasing, and insurance products — directly comparable structure and OEM-multibrand scope to NR Finance.
• GM Financial de México: Captive finance entity for General Motors brands (Chevrolet, GMC, Cadillac, Buick) in Mexico, providing retail financing, leasing, and dealer floorplan — operates the same captive-finance business model as NR Finance on the consumer and wholesale sides.
• Ford Credit de México: Ford's captive finance arm operating in Mexico to provide credit and leasing for Ford vehicles, comparable in structure to NR Finance though typically focused on Ford's narrower Mexican product portfolio.
• Stellantis Financial Services México: Captive auto finance provider for Stellantis brands (Peugeot, RAM, Jeep, Fiat, Chrysler, Dodge) in the Mexican market, offering consumer financing and dealer floorplan — directly analogous multi-brand captive model.
• BMW Financial Services México: Luxury captive financing arm for BMW and MINI in Mexico, comparable in structure to NR Finance's Infiniti Financial Services captive — focused on premium customer base with leasing and credit products.

Broad incumbents

• BBVA México Auto Lending: One of Mexico's largest commercial banks with a significant consumer auto loan portfolio and historical ties (via BBVA Bancomer) to Renault financing in Mexico before the 2002 consolidation that created NRFM. Competes in the same Mexican auto credit market at broader scale.

Others

• NR Wholesale Mexico: Wholly-owned subsidiary of NR Finance Mexico providing dealer floor plan (Plan Piso) wholesale financing to Nissan's dealer network — included as an internal comparable for the inventory financing vertical that complements the consumer retail book.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/nrfinancemexico
• LinkedInlinkedin.com/company/nr-finance-mexico-s-a-de-c-v-sociedad-financiera-de-objeto-multiple

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NR Finance México