Subaru Motors Finance: Everything You Need to Know

subaru motors finance

When it comes to purchasing a car, securing the right financing option is often as important as choosing the vehicle itself. subaru motors finance offers tailored financing options for those looking to drive away in a new or used Subaru. This guide will walk you through everything you need to know about Subaru Motors Finance, helping you make informed decisions when financing your next Subaru.


What Is Subaru Motors Finance?

Subaru Motors Finance (SMF) is the official financial service provider of Subaru in partnership with Chase Bank. SMF offers a variety of financing solutions to help Subaru customers get behind the wheel of their dream cars. Whether you’re interested in a loan or a lease, Subaru Motors Finance provides competitive rates and personalized options that fit different budgets and financial goals.

With Subaru’s reputation for reliable and durable vehicles, finding the right financial package through SMF can make the purchase process smoother and more manageable. Whether you’re a first-time car buyer or upgrading to a newer model, SMF’s finance plans offer the flexibility and security needed in today’s automotive market.


Why Choose Subaru Motors Finance?

There are several reasons why Subaru customers opt for Subaru Motors Finance:

  1. Competitive Rates: SMF provides highly competitive interest rates, allowing customers to secure low monthly payments.
  2. Customizable Terms: Whether you want to finance your vehicle for 36 months or 72 months, SMF offers flexible loan terms tailored to fit your budget.
  3. Loyalty Programs: Returning Subaru customers can take advantage of loyalty programs that often include better rates or special offers.
  4. Exclusive Offers: Subaru Motors Finance frequently provides special offers such as 0% APR financing, cash-back deals, and more.
  5. Trusted Partnership: As SMF operates in collaboration with Chase Bank, you benefit from the security and reliability of one of the largest financial institutions in the United States.

Financing Options at Subaru Motors Finance

When exploring financing through Subaru Motors Finance, customers typically have two main options: leasing and buying. Understanding the difference between the two can help you choose the option that best aligns with your financial and lifestyle needs.

1. Buying a Subaru with Subaru Motors Finance

Purchasing a vehicle through allows you to own your car outright after completing the loan term. The benefit of buying is that there are no mileage limits, and you can modify the car as you please. Additionally, once the loan is paid off, you have full ownership without further monthly payments.

  • Loan Terms: SMF offers flexible loan terms, typically ranging from 12 to 84 months. Shorter-term loans may have higher monthly payments but allow you to pay off the car faster and save on interest.
  • Down Payments: Many Subaru buyers are eligible for down payment assistance through SMF promotions, reducing the upfront cost of the vehicle.
  • Interest Rates: Interest rates are influenced by factors such as credit score, loan term, and down payment size. offers some of the most competitive rates in the market, making it easier for you to purchase a Subaru within your budget.

2. Leasing a Subaru through Subaru Motors Finance

Leasing is an excellent option if you enjoy driving a new car every few years without the long-term commitment of ownership. offers lease options for customers who prefer lower monthly payments and the ability to upgrade to a newer model at the end of the lease term.

  • Low Monthly Payments: Leases typically have lower monthly payments than loans since you’re only paying for the vehicle’s depreciation during the lease term.
  • Mileage Limits: Lease agreements come with mileage limits (usually 12,000 to 15,000 miles per year). If you drive more than the allotted mileage, you may incur additional fees at the end of the lease.
  • End of Lease Options: At the end of your lease, provides the option to either return the car, purchase it at a predetermined price, or lease a new Subaru.
  • Lease Specials: Subaru often runs lease specials that include reduced down payments, special incentives, and more.

Subaru Motors Finance Special Programs

Subaru Motors Finance offers several programs that cater to different types of buyers, including those with unique needs or circumstances.

1. Subaru Guaranteed Trade-In Program

This program guarantees that you will receive the highest trade-in value for your Subaru when trading it in for a new model. The Subaru Guaranteed Trade-In Program (GTP) offers you peace of mind, knowing that you can upgrade your car with minimal hassle.

2. College Graduate Program

For recent college graduates, offers special financing rates and down payment assistance to help you get into your first Subaru with ease. The College Graduate Program provides lower interest rates and extended loan terms, making it easier to manage payments while starting your career.

3. Military Discount Program

To honor those who serve, offers a special Military Discount Program. Active-duty military personnel, reservists, and veterans can take advantage of special rates and financing options, along with cash incentives when purchasing or leasing a new Subaru.


How to Apply for Subaru Motors Finance

Applying for financing throughis a straight forward process that can be done online or in person at your local Subaru dealership.

1. Online Application

To apply online, simply visit the website and follow these steps:

  • Provide Personal Information: Fill out a simple form with your personal and employment details.
  • Credit Check: SMF will perform a credit check to determine your eligibility for financing and interest rate options.
  • Approval: Once your application is submitted, SMF will review your information and provide you with financing options tailored to your credit profile.
  • Choose Your Loan or Lease Terms: After approval, you can choose your loan or lease terms and finalize your financing.

2. Dealership Application

Alternatively, you can apply fo any Subaru dealership. A finance manager will guide you through the process, help you select the best financing options, and explain the terms in detail.


Factors that Impact Your Subaru Motors Finance Approval

Several factors influence your approval and the financing terms you’ll receive through Subaru Motors Finance:

  • Credit Score: Your credit score is one of the primary factors determining your interest rate and loan approval. A higher credit score typically results in lower interest rates and better terms.
  • Debt-to-Income Ratio: Lenders look at your debt-to-income ratio to ensure you can comfortably afford the monthly payments.
  • Down Payment: A larger down payment may help secure better financing terms by reducing the amount you need to borrow.
  • Employment and Income: Steady employment and a sufficient income level play a key role in your financing approval.

Benefits of Financing Through Subaru Motors Finance

Financing through Subaru Motors Finance provides several advantages compared to other lenders:

  1. Simplified Process: offers a seamless experience, allowing you to handle everything from application to approval directly with the dealership or online.
  2. Exclusive Offers: By financing through SMF, you may be eligible for exclusive offers such as lower rates, cash-back incentives, and more.
  3. Customer Support: SMF provides robust customer service to help you throughout the life of your loan or lease.
  4. Convenience: Managing your payments and account is easy through Chase Bank’s online platform, which allows you to view your balance, make payments, and access account information.

Conclusion: Is Subaru Motors Finance Right for You?

Subaru Motors Finance offers flexible, competitive financing options that make it easier to afford the Subaru vehicle you’ve been eyeing. Whether you’re looking to buy or lease, SMF provides the tools and support to help you get on the road quickly and efficiently.

If you’re ready to take the next step in financing your Subaru, consider applying through Subaru Motors Finance. You’ll enjoy competitive rates, exclusive offers, and the peace of mind that comes with working with a trusted partner like Chase Bank.

For more information on current Subaru financing offers, visit Subaru’s official website or Chase Auto’s Subaru Finance page.


By choosing you’re not just financing a car—you’re joining a community of loyal Subaru owners who value reliability, safety, and customer satisfaction. Ready to get started? Visit your local dealership today and explore the various financing options Subaru Motors Finance has to offer.

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