Our Finance Center

After you've taken the test drive with your preferred Subaru model and given it the thumbs up, it's time to work out the deal. Our finance team will help you learn more about your options. Whether you're looking to pay cash, finance, or lease, you'll get the details with each path to determine which option best suits your lifestyle.

We offer finance tools to make it easier for you:

• Finance Application: If you want to own and pay off the car over time, you'll want to apply for Subaru financing using our Finance Application. Luckily, you can do that online! When you fill out our encrypted form with your information, you can submit it, and our finance team will have the information they need to start working out the deal.
• Value Your Trade: Buying a car usually involves a down payment. However, if you have an older car, you can easily trade it in using our Value Your Trade tool When you trade it in, our team will verify its value to get the most up-to-date Kelley Blue Book^® value. Did you know that new cars typically lose about 20 % of their value in the first year alone, making trade-ins and smart financing even more important. *

Moreover, when you come into our Subaru dealership, our team will have a few loan options prepared for you to review and decide which option is best for you.

Leasing a Subaru

If you're not quite ready to own a Subaru, you can still get behind the wheel with a Subaru lease! Leasing is an excellent option for drivers because it typically involves a lower down payment and possibly lower monthly payments. You'll get the opportunity to have a stylish new Subaru every few years.

Lease Return Center Convenience

Our Lease Return Center is here to simplify leasing. When your Subaru lease comes to an end, you have a few options: return it, buy it, or lease a new model. No matter which path you choose, our team helps guide you through the process with clear steps and no surprises.

We handle all the paperwork right here. You don’t need to hunt for forms or stand in line. Instead, you’ll meet with a specialist who reviews your lease agreement, checks for any wear and tear (normal usage is expected), and explains any fees. We’ll even coordinate vehicle inspections.

Do I need perfect credit to get approved for a Subaru loan?

Not at all. Our dealership works with many lenders who understand different credit situations—whether your score is great, okay, or rebuilding. This gives you a chance to get financing even if you've experienced hiccups in the past. Our finance team will walk you through options that fit your budget and goals, so you don’t have to think about starting fresh from scratch.

What’s the difference between leasing and financing a Subaru?

Leasing can offer lower monthly payments and the ability to drive a newer model every few years—it’s great if you like swapping cars often. Financing means you own the vehicle after the loan ends and can keep it for as long as you want. You’ll build equity in the car. The choice depends on your lifestyle: typically lower payments vs. long-term ownership.

What documents should I bring when financing a vehicle?

Bring your driver’s license, proof of insurance, a recent pay stub or two (proof of income), a utility bill or similar (proof of residence), and any trade-in paperwork (if you have one). If you’re leasing, you may also need prior vehicle history. Once you schedule an appointment, the finance team will send you a customized list so you can come prepared—no last-minute surprises.