Buying the Cheapest 2026 Nissan Sentra Could Be a Costly Mistake

Cheap on Paper

While base trims typically promise savings for car buyers, that long-held principle may not apply to the all-new 2026 Nissan Sentra. A recent report from CarsDirect points out that buyers could actually end up paying more for the entry-level Sentra S than for the better-equipped mid-spec SV, largely because the base model is excluded from Nissan’s current promotional financing offers.

Those incentives – including 4.9% financing for up to 36 months, 5.9% for up to 60 months, and 6.69% for up to 72 months – are limited to the Sentra SV, SR, and range-topping SL. Considering that the MSRP gap between the Sentra S and SV is only around $800, the lack of subsidized financing means the cheaper trim can become the more expensive option once interest costs are factored in. CarsDirect even noted that this pricing structure could “create a reason for shoppers to skip the S trim entirely.”

What’s in the Package

Starting at $23,845 (including destination), the Sentra S already forgoes several features included with the SV. These include 16-inch aluminum wheels, upgraded cloth upholstery, an additional USB port, and a larger 12.3-inch digital instrument cluster. Stepping up to the SV also opens the door to optional upgrades, including a 10-speaker premium audio system, wireless phone charging, and a moonroof.

Buyers who choose the flagship SL receive even more exclusive equipment, including quilted TailorFit seating, an 8-speaker Bose audio system, standard ProPILOT Assist driver assistance, and a four-way power-adjustable driver’s lumbar support.

Regardless of trim, however, the Sentra – which competes in the compact sedan segment against rivals like the Honda Civic and Toyota Corolla – is powered by the same 2.0-liter naturally aspirated inline-four, producing 149 horsepower and 146 lb-ft of torque. Power is sent exclusively to the front wheels via a continuously variable transmission (CVT).

Looking Beyond MSRP

Since the Sentra S has less equipment, it is expected to depreciate more. CarsDirect noted that the base trim carries a residual value roughly 5 percent lower than the SV. In leasing terms, that means greater expected depreciation, which translates directly into higher monthly costs. On a 36-month lease, the Sentra S comes out to $312 per month with $2,572 due at signing, while the SV actually undercuts it at $309 per month with $2,499 due at signing. When adjusted for effective monthly cost, the SV is estimated to be about $5 cheaper per month, at $378.

While Nissan’s current financing programs help offset higher pricing for the newly introduced ninth-generation Sentra, this analysis gives buyers a clearer picture of where the real value likely lies, especially for those considering the base trim.