Subaru Finance FAQs

Finance FAQs

Q: Are there any application costs and/or monthly charges?

A: Yes. Fees and charges do however vary depending on the facility, so please contact your nearest participating Subaru Finance Retailer for further details.

Q: How long does it take to settle a finance agreement?

A: Settlement time varies depending on the individual application. In general, following approval of the application, a contract will take approximately 24 hours to settle. Your Finance Business Manager will contact you when your contract has settled.

Q: What repayment intervals are available to me?

You can set your repayments to be either fortnightly or monthly. Weekly repayments are not available. 

Q: What payment methods can I use for my Subaru Finance contract?

A: Payment methods available for Subaru Finance contracts are as follows:

Direct debit

Direct Debit is the preferred payment method with Subaru Finance. For any questions reading payment methods please contact Subaru Finance customer service on 1800 618 386.

Q: Can I change my payments from monthly to fortnightly?

A: Yes.

Q: Can my repayments be changed to coincide with my pay dates?

A: We may be able to change repayments to coincide with your pay dates in some circumstances. Please call customer service on 1800 618 386.

Q: What financial information do I need to provide to Subaru Finance when applying for credit?

A: The financial information required depends on whether you are a personal or a business applicant. In general, personal applicants will be required to show the following items:

  • Current drivers licence.
  • Rent receipts or copy of rates notice
  • Confirmation of comprehensive vehicle insurance (of course your participating Subaru Retailer can also provide you with an insurance quote, through Subaru Insurance)
  • Most recent payslips and/or other confirmation of financial information (e.g. your tax return)

Q: Can I use a credit card to make payments?

A: No. You're not able to use another credit facility to pay a Subaru Finance contract directly. Similarly, direct debits aren't available from credit cards at this stage.

Q: What happens if I can't make a payment?

A: Late payments must be arranged by calling our service centre on 1800 618 386. We’ll consider making a temporary payment arrangement.

Direct debits require a minimum of 72 hours to cancel or alter. If you request to alter a direct debit with less than 72 hours notice, we can’t guarantee your request will be processed in time to affect the existing payment arrangement and dates.

It’s your responsibility to have funds available in your bank account to be drawn on the contracted dates. Any dishonour fees charged by your bank or the late cancellation of a direct debit fee will be incurred by you and unfortunately cannot be refunded by Subaru Finance.

Q: Can I use Subaru Finance for used vehicles?

A: Yes! Subaru Finance offers financing solutions, whether you are in the market for a new Subaru or a used vehicle. For consumer loans, the maximum allowable age for used vehicles is 12 years at the end of the loan term. For commercial loans, the maximum loan term for used vehicles is 5 years.

Q: Why do I have to comprehensively insure my car?

A: The terms and conditions of your contract require that your vehicle be comprehensively insured at all times. You must make sure that your insurance company is aware that the vehicle is under finance with Subaru Finance. Participating Subaru Retailers can provide you with a quote for Subaru Insurance.

Q: When do I receive a statement on my account?

A: If you would like to receive a statement on your account, you will need to call 1800 618 386.

Q: What do I have to do if I change my car registration?

A: Please advise us of any changes by calling customer service on 1800 618 386. You can also fax Subaru Finance on 1800 068 653 with the updated registration details, and your Subaru Finance contract details.

Q: How do I have my car removed from the Personal Property Securities Register?

A: The Personal Property Securities Register (PPSR) is the register where details of security interests in your vehicle is registered and searched. Under normal circumstances vehicles under finance take a minimum of six days, after the payout of the contract, to be removed from PPSR - this is to allow clearance of funds. Upon clearance of funds, we will have no further interest in the vehicle. If you believe Subaru Finance incorrectly hold an interest over your vehicle, please call Subaru Finance customer service on 1800 618 386 to discuss.



Finance provided by Macquarie Leasing Pty Limited ABN 38 002 674 982 (Australian Credit Licence No. 394925), subject to its credit assessment criteria. Fees and charges are payable. Full conditions available on application. Subaru Finance is a registered business name of Macquarie Leasing Pty Ltd ABN 38 002 674 982 (Australian Credit Licence 394925) and is used under licence.