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Guaranteed Future Value
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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 Services1 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.

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Northern Beaches Subaru

Subaru Financial Services

  • 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
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Northern Beaches 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.

Northern Beaches Subaru

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.

Northern Beaches Subaru

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 monthly instalments.

Northern Beaches Subaru

Guaranteed Future Value

Available to eligible customers, Subaru Guaranteed Future Value2 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 kilometres).

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.

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Northern Beaches 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.

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Northern Beaches Subaru

Financial Assistance

At Subaru Financial Services, we understand that sometimes things don’t go to plan and that our customers may require temporary assistance with their loan repayments.

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Finance FAQs

How do car loans work?

Under a car loan, you borrow money to purchase your new car and then pay it off in monthly instalments. Interest is charged on the money you borrowed, along with associated loan processing fees. This is typically incorporated into the monthly repayment figure you pay back. This loan is paid back over a given timeframe, which can be flexible to your circumstances. You will need to apply for a loan to determine your eligibility.

Why should I finance a Subaru instead of buying one with cash?

Each method has both pros and cons and you might want to engage your financial adviser to help you make that decision. For most people, the main benefit of a car loan, over other forms of payment, is that it allows you to have access to your brand new Subaru today, rather than having to wait to save up for the full purchase price.

Why should I finance through Subaru instead of my bank?

Subaru offers a convenient one-stop-shop to organise both your finance and the purchase your vehicle, potentially saving you time over organising money through a bank. You also know that Subaru is a brand you can trust and the option of a Guaranteed Future Value2, which banks do not offer, can also be an attractive benefit.

What is a balloon payment on a car loan?

A balloon payment is a lump sum of money at the end of your loan term, that you need to repay to fully pay off your loan and own your vehicle outright. The size of your balloon will impact the amount of your monthly repayments ie generally speaking, the larger the balloon amount, the lower the monthly repayment amount.

What is a secured car loan?

There is a risk associated with every loan application. This is due to the loan having to be paid over a period which puts the repayments at risk. One way financiers reduce this risk is through securing the car against the loan. In order to do this the financier will register a security interest against the car on the Personal Property Securities Register (PPSR). If you fail to meet repayments, the vehicle may be recovered and sold to cover the cost of the loan and associated recovery fees. Almost all car loans will be secured against the car.

How long does it take to get vehicle finance?

Depending on the application, it can take as little as a couple of hours to secure your approval – if you have a good credit history, can provide proof of your income, assets and liabilities and other identification verification upfront.

What is a Chattel mortgage and am I eligible for one?

A Chattel mortgage is a popular car loan for businesses, because the business is the owner of the vehicle instead of the individual. You will need to provide the business’ ABN and confirm that you intend to use the car primarily for business purposes. If you meet these criteria, talk with our friendly team at a participating Subaru Financial Services Retailer to understand how best to structure this loan for your needs.

What documents do I need to apply for finance?

For a quick, hassle-free car loan application you’ll need to provide documents that prove you’re a reliable borrower. Documents such as –

  • Personal information and identification
  • Proof of income
  • Proof of assets and liabilities
  • Information about your car and insurance

How much can I borrow for a car loan?

The amount you can borrow will entirely depend on your personal circumstances. It’s best to talk with one of our team at a participating Subaru Financial Services dealership to help understand how much you can borrow.

What will my repayment be?

Assuming you are eligible for a car loan, the amount of your repayments will be determined by a number of factors including your credit history. The car loan calculator on our website can give you a quick estimate of what your potential repayments might be, but this may differ to your personal rate so it is best to talk to the Business Manager at your Subaru Retailer.

Target Market Determination available here

  1. Credit criteria, fees, charges and terms and conditions 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. Available at participating Subaru Financial Services retailers only.
  2. 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 is damaged or you have travelled excess kilometres. Credit criteria, fees, charges and terms and conditions 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.
  • *Price is the manufacturer's recommended retail driveaway price (RDP) and includes the vehicle price, 12 months registration, stamp duty, luxury car tax (if applicable), CTP insurance cost estimate (based on private purchaser with good driving record) and a recommended charge for dealer delivery. The quoted RDP is an estimate based on the postcode selected by you. RDP may change based on location. RDP is not applicable to business or government buyers. Final on road costs may vary according to individual circumstances and actual driveaway price may vary between Retailers. Ask your Retailer for confirmation of their driveaway price.
  • The information provided on this web page 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 is general in nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

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