Yes , it must have a timing CHAIN ( the Gates website does not list a timing belt
for the 2004 Nissan Xterra 2.4 liter )
chain
chain
chain
four cyl has chain 6 has belt
the 2.5 Nissan engine has a timing chain
The 4.0 litre V6 engine in a 2010 Nissan Frontier has a timing CHAIN
if it is the v6 it has a belt not chain that needs replacing every 105000 miles
chain
Chain.
Chain.
The 2.4 liter four cylinder engine in a 2000 Nissan Frontier has a timing CHAIN
The 4.0 liter V6 engine in a 2007 Nissan Frontier has a timing CHAIN