Subaru Financial Services

When you fall in love and know it's the one, you don't want to wait. So why should you?

Subaru Financial Services brings you and your Subaru together, faster. It's like a Vegas wedding, with a bit more class and a lot better with numbers. And the only thing better than your new Subaru, is your next one. So we work hard to make upgrading into a newer Subaru more often, part of the process, It's a lifelong love affair - we get it.


Why Subaru Financial Services?

We know financing can be a hassle, so we’re here to make everything as easy as possible and help you start your next Subaru journey faster with more transparency than ever before.
Financial specialists – Our finance team are passionate about Subaru and here to help you every step of the way

Multiple finance options – A suite of Subaru finance products available for you to choose from

Complete convenience – The entire buying process is completed with our Subaru specialists, making everything faster, easier and a lot more Subaru

Personalised Pricing

Subaru Financial Services offers personalised pricing based on a rate that's specific to you. Your rate is determined based on factors such as your personal circumstances, as well as the specific structure of your loan. The rates we offer are fixed for the term of your loan to provide certainty and predictability.

Speak to a participating Subaru Financial Services retailer today for a quote and get the keys to your Subaru sooner.

Fixed Rate Consumer Loan

This is the typical loan to help you get the keys to your dream Subaru - available for new and used cars if the vehicle is for personal use. The maximum allowable age of a used vehicle at the end of the loan is up to 12 years depending on your eligibility criteria.

Eligible customers can also opt for a balloon payment at the end of their loan.

Repayments and interest rates are fixed, providing certainty over the course of your loan. Repayments can be made in fortnightly or monthly instalments, giving you the flexibility to manage your payment schedule.

Fixed Rate Chattel Mortgage

Chattel mortgages are your bread-and-butter business loans available to ABN holders, provided the vehicle is to be used predominantly for business purposes.

Like a Consumer Loan, eligible customers can opt for a balloon payment at the end of their loan.

Repayments and interest rates are fixed, providing certainty over the course of your loan. Repayments can be made in fortnightly or monthly instalments.

Guaranteed Future Value

Available to eligible customers, Subaru Guaranteed Future Value gives you the peace of mind of securing a pre-determined trade in value at the end of your loan term (provided it meets fair wear and tear conditions and the agreed upon kilometers).

A loan with a Guaranteed Future Value may give you lower repayments and gives you multiple options at the end of the loan term; to upgrade your Subaru, retain your Subaru or return your Subaru.

Finance Specialists on Demand

We recognise that arranging your finance can be a difficult process. That's where our participating Subaru Financial Services retailers and their representatives step in to support you through the entire process.

Contact us now

What is a Subaru Guaranteed Future Value agreement?

A loan with a Guaranteed Future Value agreement is like a regular loan with a balloon payment at the end of the term. The key difference is that Subaru Financial Services will guarantee the return value of the vehicle to ensure it covers the balloon repayment. This can result in greater benefits over a standard loan or paying cash for your vehicle. As long as your vehicle has been well looked after, adheres to Fair Wear and Tear Guidelines and meets the agreed upon kilometre usage, you’ll know you won’t be out of pocket when trading your vehicle in to pay out the balloon payment. Terms and conditions apply.


Key benefits of Guaranteed Future Value

A load with a Guaranteed Future Value agreement has several key benefits:

  • Provides peace of mind on the payout of your loan
  • Flexibility for those who prefer a new Subaru more often
  • It can lower your monthly payments
  • Multiple options at the end of loan to suit your needs

What happens at the end of your term?

At the end of your term, you’ll have several options depending on what suits you at the time. You can:

  • Upgrade your Subaru;
  • Retain your Subaru;
  • Return your Subaru

The choice is yours.

Start your new car buying journey

Start planning future road adventures now, with your new Subaru. Use our online Build and Price tool to choose the colour, specification and transmission for your Subaru, as well as your preferred genuine accessories and service plan. Once your dream Subaru is built, you can save it, send it to your preferred Subaru retailer to start a discussion or buy it online direct with Subaru Australia. And of course, we will be there to support you with your financing needs.

Find your Subaru
*The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade-in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a fixed rate loan if you select the GFV option. Monthly repayments will be lower compared to a similar loan term with no GFV or equivalent balloon final payment. Available on new and demonstrator Subaru vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS or another person or entity with SFS's agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle does not meet minimum acceptable conditions or you have travelled excess kilometres. Terms, conditions, fees and charges apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian Credit Licence 483211.

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Learn more about our models in your own time.