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Financing Options

Helpful information on financing or leasing your new Subaru.

Subaru Motors Finance

JPMorgan Chase Bank, N.A. (“Chase”) provides auto financing and leasing to Subaru customers through the Subaru Motors Finance (SMF) program. Whether you choose to finance a new or pre-owned Subaru, or lease a new one, we offer you several distinct advantages with the SMF program available through your Subaru retailer:

  • Competitive finance or lease options.
  • One-stop shopping through your local Subaru retailer.
  • Flexible payment options.
  • Paperless statements that are convenient, secure and eco-friendly.
  • Experienced, professional customer service representatives.
  • Access to account information when you want, where you want.

Finance vs. Lease

Not sure whether to own your new Subaru or lease it? Here are the benefits of both options.

Finance Benefits Lease Benefits
  • Pay to own your new car, not just to use it for a few years. After your final payment is made, you can drive your Subaru for years to come. It's all yours.
  • Drive an unlimited number of miles— especially important if you typically drive more than 12,000 to 15,000 miles per year.
  • Modify or repaint the car, or install custom equipment, as you see fit.
  • Enjoy the full benefit of your car's trade-in or resale value.
  • Potentially pay less per month. Monthly lease payments are usually lower than monthly loan payments for the same term, because your monthly payment includes the vehicle's expected depreciation only during the lease term.
  • Enjoy driving a new car more frequently.
  • Have options at the end of your lease – including leasing another new Subaru or buying the one you've grown to love. If you decide to buy the car at lease-end, you will get a no-hassle preset purchase price.
  • Minimize repair costs. Many people lease for the length of time the manufacturer's warranty is in effect. That way, most repairs are typically covered.

Questions and Answers

Special Programs

SMF and Subaru of America (SOA) offer special financing programs. SMF offers College Graduate and Subaru Customer Loyalty discount programs. SOA offers Certified Pre-Owned, Active Military and Lease Loyalty discount programs. Visit the Special Offers page for more details.

Learn more
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Apply for Financing

Apply for financing before you shop and find the Subaru retailer nearest to you.

Apply for Financing

Already financing a Subaru with Subaru Motors Finance?

Access your SMF account to set up automatic payments and alerts, go paperless, view your statements online and more.


^ The tradename “Subaru Motors Finance” and the Subaru logo are owned / licensed by Subaru of America, Inc. and are licensed to Chase. Retail / Loan and lease accounts are owned by Chase.