Personal Car Finance

Subaru Financial Services¹ offers personalised options for you and your vehicle requirements if you are looking to finance your vehicle.

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.

Guaranteed Future Value for Business

Subaru Financial Services offers Guaranteed Future Value² for business applicants. The process is the same as a personal GFV agreement.

A loan 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

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

Upgrade your Subaru;
Retain your Subaru; or
Return your Subaru.

Learn more about Guaranteed Future Value

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.
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.

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.