Subaru Finance Options: Find the Best Deal Today

Subaru Finance: Everything You Need to Know

Buying a new car is a major financial decision—and if you’re considering a Subaru, understanding your finance options is essential. From low APR offers to flexible leasing terms, Subaru finance can make your dream car more affordable than you think.

What Is Subaru Finance?

Subaru finance refers to the range of auto financing solutions offered through Subaru Motors Finance (SMF), a program run by Chase Auto in partnership with Subaru of America. Whether you’re buying or leasing, SMF provides tools to help you get behind the wheel with competitive rates and flexible terms.

Key Financing Options Available

1. Loan Financing

Ideal for those who plan to own their Subaru long-term. Here’s what it offers:

Fixed and competitive APRs
Loan terms typically between 36 to 72 months
No prepayment penalties
Eligibility for new and certified pre-owned (CPO) Subaru models

2. Lease Programs

Leasing a Subaru may be a better fit if you prefer driving new models every few years.

Lower monthly payments compared to loans
Shorter contract lengths (usually 24–36 months)
End-of-lease flexibility (purchase, renew, or return)

Subaru Finance Specials and Promotions

Subaru frequently runs national promotions like:

0% APR for 36 months on select models
$0 down payment options
Loyalty cash for returning customers

💡 Tip: Check Subaru’s official site or local dealerships for time-sensitive offers.

How to Apply for Subaru Financing

Applying is simple and can be done online through Subaru Motors Finance or at your local dealership.

Steps to Apply:

Check your credit score – Most offers require good to excellent credit.
Choose your vehicle – New, used, or certified pre-owned.
Submit a finance application – Online via Chase Auto or in person.
Get approved and review your loan or lease terms.

Example: Real Subaru Buyer Scenario

Case Study:
Jessica, a first-time car buyer with a 720 credit score, secured a 1.9% APR on a 2024 Subaru Crosstrek through SMF. By taking advantage of a seasonal promotion, she saved over $1,200 in interest compared to a traditional auto loan.

Subaru Finance vs. Third-Party Lenders

Feature	Subaru Motors Finance	Bank/Credit Union
APR Rates	Promotional (0–2.9%)	Typically 4–6%
Ease of Process	Streamlined at dealer	May require more steps
Loyalty Rewards	Yes	Rare
Flexibility	Good (lease or buy)	Loan only

Conclusion: Is Subaru Finance Right for You?

Subaru finance offers competitive rates, exclusive deals, and flexible loan or lease options—all backed by trusted partners like Chase Auto. Whether you’re financing your first Subaru or upgrading to a newer model, taking advantage of Subaru’s in-house finance programs could save you time and money.