Subaru Finance Options

Find great car loan deals for Subaru models old and new when you apply and compare with Savvy.

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, updated on July 11th, 2023       

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Compare Subaru finance options

Whether you’re in the market for a sedan like the Impreza 2.0i AWD, an SUV or hybrid from the XV or Forester range or prefer performance with a WRX Premium AWD, Savvy has you covered for your Subaru needs. Our extensive range of lending partners make it easy for you to find a loan to suit your needs at an affordable price.

Applying with us is easy. You can get started with a quick quote, which you can finish in just a few minutes, and the wheels will be in motion for your application. From there, you’ll be able to compare products with low rates and fees and flexible repayment options. There’s never been a better time and place to buy your Subaru.

Car Loans for Subaru

See how Savvy can help you with your Subaru finance

Competitive interest rates

With rates on car finance offers from our lending partners starting at affordable prices for your profile, you can compare cheap Subaru offers.

Flexible borrowing up to your Subaru’s value

You’re able to borrow up to the maximum value of your chosen car from a minimum of $5,000, meaning you’re only limited by your borrowing capacity.

Customisable loan term and payment schedule

You can not only select your loan term between one and seven years, but also how frequently you pay it: either weekly, fortnightly or monthly.

Buy for private or commercial use

You’re not limited to private use car loans with Savvy. We’ll help you find the right chattel mortgage, car lease or hire purchase if you need a Subaru for your business.

Pick out any age model across Australia

You can get approved for financing for both new and used cars up to 20 years and beyond located anywhere throughout the country, not just locally.

Free early repayments

We can connect you with lenders who offer free additional repayments and no costs associated with paying it off ahead of schedule, enabling you to save money.

Enjoy fixed, stable repayments

Because your interest and fees are fixed from the outset of your loan, you’ll be able to budget around your repayments effectively from month to month.

Diverse employment accepted

We can help you get approved whether you’re a permanent full-time employee, working part-time, casually or as a sole trader thanks to our flexible lenders.

Why choose Savvy for your Subaru finance

Subaru and motorsport in Australia last century

Subaru didn’t make it to Australian shores until 1973, but they’ve been making up for that ever since. In 1978, the Japanese manufacturer gave us the Brumby. This compact 4WD was a massive hit with Australian motorists, and the number of Subarus on our roads began to multiply. Sales increased by 70% between 1979 and 1980. Offerings like the Liberty served Subaru and Australians well until the early nineties. In 1993, however, an Australian motorsport star was born when Subaru bestowed the Impreza on a willing market.

The following year, Subaru gave us the almighty Impreza WRX. Also in 1994 – and during 1995, the Impreza was beginning to show global rally credentials with wins in the World Rally Championship events in Great Britain, Monte Carlo, and New Zealand. By 1996, legendary Australian Possum Bourne had driven a Subaru Impreza to an Australian Rally Championship Driver’s title. That same year, the Subaru Outback launched in Australia. The Outback brought AWD to the family wagon and epitomised Subaru’s approach to building cars for Australian conditions. In 1997, the iconic Forester arrived – another pioneering crossover vehicle and possibly the very first compact SUV ever produced.

Subaru Australia in the new millennium – one million sales and counting

Possum Bourne carried on winning behind the wheel for Subaru. He took 1997, ‘98 and ‘99 Australian Rally titles around the same time Subaru announced its complete Aussie range would go all-wheel drive. Another legendary Australian driver joined Team Subaru in 1998. Cody Crocker watched Bourne win again in 2000, 2001, and 2002 before taking over the wheel up until 2005 when – after a stunning ten consecutive Australian driver titles – Subaru announced withdrawal from rally competition in Australia.

The company continued strongly after 2005 – launching the hugely popular rear-wheel-drive BRZ sports car in 2013 and passing the 200,000 sales mark on Foresters two years later. In 2016, after launching the fifth-generation Impreza, Subaru returned to the Australian Rally Championships with a young female driver at the wheel. Molly Taylor became not only the first female winner of the Australian Rally Championship but also the youngest – and Subaru broke its Australian sales record, shifting almost 50,000 cars in twelve months. In 2019, Subaru sold its one-millionth Australian vehicle in New South Wales.

Frequently asked questions about Subaru finance

How much will my car loan cost?

This depends on a number of factors. Interest rates are perhaps the most obvious of these, as they’re likely to cost you the most of any of the added charges.

However, fees will also play a major role, with ongoing service fees up to $20, application fees up to $600 and early settlement fees up to $900 in some cases. All of these can be waived by certain lenders, however.

What will also factor into the cost of your loan is the length of your term. The longer you take to repay the loan, the more you’ll pay in interest and fees, so shorter lengths are usually the cheapest option.

If I want a used Subaru, can I buy it privately?

Yes – our lenders can provide funding for cars bought from any type of sale, whether that be from a used car dealership or from a private seller. Cars bought from these sales may take slightly longer, as lenders will want to ensure that the car is in as good condition as it was advertised.

Is my car loan secured?

In most cases, yes – all car loans by nature are secured, which cuts down on your potential interest rate and increases your borrowing power substantially.

This doesn’t mean that you can’t buy a car with an unsecured loan, though; unsecured car loans do exist but are essentially personal loans. The advantage of these is that you can choose whatever car you like without worrying about its suitability as collateral, opening the door to vintage purchases beyond 20 years of age.

Is 0% finance as good as it sounds?

Usually not – 0% finance is offered by dealerships as a seemingly cheap alternative to a loan from a more conventional lender. However, this type of finance typically comes with more expensive models and fees and will only usually be interest-free for an initial period of around 12 months before reverting to a regular or high rate thereafter.