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Subaru Financial Services

For countless Subaru owners across Canada, it’s the journey that matters most, not the destination. At Subaru Financial Services, we’re just as passionate for adventure and the open road. We’re also passionate about helping customers experience this freedom by providing a stress-free ownership experience when leasing or financing your next Subaru.

Thanks to our clear and simple financial service options, starting your next adventure in a fun-to-drive Subaru has never been easier. Learn more about your options below.

Why Subaru?

There are various reasons to choose a vehicle, but the Subaru difference just might be the most compelling reason of all. We’re committed to designing and engineering high-quality, safe, fun-to-drive vehicles. This commitment is reflected in our vehicles' award-winning retained values. So, you can rest assured that your Subaru will hold its value.

Subaru Financial Services

Explore the Benefits of Financing

Pride of Ownership

Pride of Ownership

Pride of Ownership

There’s nothing quite like owning your vehicle. When you choose to finance your fun-to-drive Subaru, you have the added benefit of having your name registered on the vehicle’s ownership.

Competitive Rates

Competitive Rates

Our competitive finance rates give you the confidence and the financial freedom to pursue your dreams and secure your future. Learn more about Subaru’s exciting offers.

Consumer-friendly Financing

Consumer-friendly Financing

Our consumer-friendly, Simple Interest Financing ensures that you’re always in the driver’s seat. If you pay a day early, you’re credited for a day’s interest. If you pay a day late, you pay a day’s interest. Simple.

Fewer Restrictions

Fewer Restrictions

Enjoy traveling without the worry of mileage constraints. If you love the open road and plan to take your Subaru on a lot of road trips, or if your daily commute is longer than average, financing may be a great option for you. In addition, there are no restrictions or fees should you wish to pay your loan off early.

The Freedom to Personalize

The Freedom to Personalize

There’s no better way to stand out in the crowd than by personalizing your new Subaru. When you finance your vehicle, you have the freedom to customize your Subaru to your liking with Subaru Genuine Accessories.

The Rewards of Loyalty

The Rewards of Loyalty

It pays to drive with Subaru, in more ways than one. As a valued Subaru Financial Services customer, you may qualify for a 1% Loyalty Bonus* rate reduction when you lease or finance your next vehicle with Subaru’s exciting offers.

* Final lease or finance rates cannot be lower than 0.50%

 

Retained Value

At the end of your finance term, whether you’d like to trade in and trade up to a new model or keep your current vehicle, drive confidently behind the wheel knowing that Subaru vehicles hold their value better than any vehicle in its class.

Canadian Black Book Best Retained Value

Canadian Black Book, the most trusted source for information on used vehicle value for over 50 years, honoured Subaru with the Best Retained Value ‘Overall Brand’ Award for Car in 2017. The Canadian Black Book Best Retained Value Awards are presented to those vehicles that hold the highest percentage value of their original MSRP over a four-year period.

“Depreciation is the single largest expense of owning a vehicle, more than gas, maintenance or insurance. Understanding your vehicle’s retained value is extremely important for anyone researching to buy, sell or trade-in any vehicle” says Brian Murphy, VP Research and Editorial, Canadian Black Book.

2017 - 2013 Subaru XV Crosstrek - Compact
2015 - 2011 Subaru Outback – Mid-Size Car
2014 - 2010 Subaru Outback – Mid-Size Car
2013 - 2009 Subaru Outback – Mid-Size Car
2012 - 2008 Subaru Outback – Mid-Size Car
2011 - 2007 Subaru Outback – Mid-Size Car
2010 - 2006 Subaru Outback – Mid-Size Car

Higher Retained Value = Higher Trade-in Value

 
 
 
Subaru Financial Services

Explore the Benefits of Leasing

The Latest Technological Advances

Residual Value

Residual value is the estimated value of your vehicle at the end of your lease term. ALG is the benchmark for residual value projections in North America.

ALG – Residual Value Awards

Residual value is the estimated value of your vehicle at the end of your lease term. The higher the residual value, the lower your monthly payment. ALG, the leading provider of automotive residual value and analytical data products, has recognized Subaru with the Residual Value Award – Mainstream Brand for the past four consecutive years. It’s no surprise that more people are choosing to drive with Subaru than ever.

2018

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.10
Subaru Crosstrek – ALG 2018 Residual Value Award - Subcompact Utility segment.10
Subaru Impreza – ALG 2018 Residual Value Award - Compact Car segment.10
Subaru Outback – ALG 2018 Residual Value Award - Midsize Utility Vehicle - 2 Row segment.10
Subaru WRX/WRX STI – ALG 2018 Residual Value Award - Sports Car segment.10

2017

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.9
Subaru Crosstrek – ALG 2017 Residual Value Award - Subcompact Utility segment.9
Subaru Impreza – ALG 2017 Residual Value Award - Compact Car segment.9
Subaru Outback – ALG 2017 Residual Value Award - Midsize Utility Vehicle - 2 Row segment.9
Subaru WRX STI – ALG 2017 Residual Value Award - Sports Car segment.9

2016

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.8
Subaru Crosstrek – ALG 2016 Residual Value Award - Compact Car segment.8
Subaru Outback – ALG 2016 Residual Value Award - Mid-size Utility Vehicle - 2 Row segment.8
Subaru WRX STI – ALG 2016 Residual Value Award - Sports Car segment.8

2015

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.7
Subaru BRZ – ALG 2015 Residual Value Award - Sports Car segment.7
Subaru Impreza – ALG 2015 Residual Value Award - Compact Car segment.7
Subaru Outback – ALG 2015 Residual Value Award - Mid-size Utility Vehicle - 2 Row segment.7
Subaru Legacy – ALG 2015 Residual Value Award - Midsize Car segment.7

2014

Subaru BRZ – ALG 2014 Residual Value Award - Sports Car segment.6
Subaru Outback – ALG 2014 Residual Value Award - Mid-size Utility Vehicle - 2 Row segment.6

2013

Subaru BRZ – ALG 2013 Residual Value Award - Sports Car segment.5
Subaru Impreza – ALG 2013 Residual Value Award - Compact Car segment.5
Subaru Outback – ALG 2013 Residual Value Award - Midsize Utility segment.5

2012

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.4
Subaru Impreza – ALG 2012 Residual Value Award - Compact Car segment.4
Subaru Outback – ALG 2012 Residual Value Award - Midsize Utility segment.4
Subaru WRX STI – ALG 2012 Residual Value Award - Sporty Car segment.4

2011

Subaru Canada awarded Best Mainstream Brand Canadian Residual Value Award from ALG.3
Subaru Impreza – ALG 2011 Residual Value Award - Compact Car segment.3
Subaru Impreza WRX STI – ALG 2011 Residual Value Award - Sporty Car segment.3
Subaru Legacy – ALG 2011 Residual Value Award - Midsize Car segment.3
Subaru Outback – ALG 2011 Residual Value Award - Midsize Utility segment.3

2010

Subaru Canada awarded Best Mainstream Brand Residual Value Award from ALG.2
Subaru Impreza – ALG 2010 Residual Value Award - Mid-Compact Car segment.2
Subaru Impreza WRX STI – ALG 2010 Residual Value Award - Sporty Car segment.2
Subaru Legacy – ALG 2010 Residual Value Award - Midsize Car segment.2

2009

Subaru Impreza – ALG 2009 Residual Value Award - Mid-Compact Car segment.1
Subaru Impreza WRX STI – ALG 2009 Residual Value Award - Sporty Car segment.1

1 Based on ALG’s residual value forecast for the 2009 model year.
2 Based on ALG’s residual value forecast for the 2010 model year.
3 Based on ALG’s residual value forecast for the 2011 model year.
4 Based on ALG’s residual value forecast for the 2012 model year.
5 Based on ALG’s residual value forecast for the 2013 model year.
6 Based on ALG’s residual value forecast for the 2014 model year.
7 Based on ALG’s residual value forecast for the 2015 model year.
8 Based on ALG’s residual value forecast for the 2016 model year.
9 Based on ALG’s residual value forecast for the 2017 model year.
10 Based on ALG’s residual value forecast for the 2018 model year.

 
End of Lease

What Happens at the End of My Lease?

You Can Lease or Finance a New Subaru

You Can Purchase Your Subaru

You Can Purchase Your Subaru

You Can Purchase Your Subaru

You’ve clearly enjoyed your Subaru a lot. You can purchase the vehicle at lease-end for the value indicated in your contract.

You Can Return Your Subaru

You Can Return Your Subaru

You Can Return Your Subaru

Not many Subaru owners go this route, but we’re all about freedom of choice. To pursue the option of returning your vehicle, contact your Subaru Dealer to arrange a lease-return inspection. You can use the Wear & Tear Guide to estimate potential vehicle damage costs prior to visiting your local Subaru Dealership.

 

FAQ

General FAQ

How can I contact Subaru Financial Services?

The Subaru Financial Services Customer Support Team is located in Canada and operates during regular business hours in all Canadian time zones. If you have any questions regarding your account, our knowledgeable customer support representatives are ready to provide assistance and happy to do so. The Customer Support Team can be reached at 905-513-5949 / 1-888-513-5949 during the following hours of operation in each Canadian time zone (AT, ET, CT, MT, PT).

Monday 9:00 am – 5:00 pm
Tuesday 9:00 am – 5:00 pm
Wednesday 9:00 am – 5:00 pm
Thursday 9:00 am – 5:00 pm
Friday 9:00 am – 5:00 pm
Saturday CLOSED
Sunday CLOSED

How do I change my banking information for the “Direct Payment Plan”?

If at any time you need to change your banking information, you may do so by providing Subaru Financial Services with a copy of your:

• New VOID cheque or pre-authorized debit form of the buyer/co-buyer or lessee/co-lessee named on the contract

• Subaru Financial Services Account Number or VIN (i.e. both appear on the copy of your Subaru Financial Services welcome letter)

All documentation must be mailed or faxed in one package to Subaru Financial Services.

Mailing address:

Subaru Financial Services
C.P. Box 4060
Markham, ON
L3R 0M8

Fax: 905-513-9776 / 1-800-665-4948

Can I make payments through online banking?

Yes, online banking payments may be made on your lease or financed vehicle. Subaru Financial Services accepts payments via ABM, telephone and web banking services from any accredited financial institution in Canada.

I’ve recently changed my surname. How do I update my Subaru Financial Services account to reflect this change?

If you need to update your surname on your Subaru Financial Services account, you may do so by providing Subaru Financial Services with a copy of your:

• Marriage certificate or name change certificate
• Subaru Financial Services Account Number or VIN (i.e. both appear on the copy of your Subaru Financial Services welcome letter)

All documentation must be mailed or faxed in one package to Subaru Financial Services.

Mailing address:

Subaru Financial Services
C.P. Box 4060
Markham, ON
L3R 0M8

Fax: 905-513-9776 / 1-800-665-4948

I’m moving to another country. Can I take my financed or leased vehicle with me?

If you’re planning on relocating outside of Canada (USA, Mexico, etc.), you must notify Subaru Financial Services prior to your departure and make arrangements to:

1. Purchase your financed vehicle
2. Negotiate an option to terminate your lease or finance contract at your Subaru Dealer

Permanent relocation of a Subaru Financial Services leased or financed vehicle outside of Canada is strictly prohibited. For more information and assistance, contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

Can I change the due date on my contract?

To request a change, you will need to contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

I’m on the Direct Payment Plan and my payment was returned NSF (non-sufficient funds) or FNC (funds not cleared). What should I do?

If you receive an NSF or FNC notification from your financial institution, a scheduled Subaru Financial Services payment for your leased or financed vehicle was unsuccessfully withdrawn from your account. After the initial failed withdrawal attempt, a second attempt will be made 2-3 business days later to secure your scheduled payment. If the second withdrawal attempt fails, you will need to immediately reconcile your outstanding payment by contacting our Customer Support Team at 905-513-5949 / 1-888-513-5949.

If you know that your account funds will not be available during an upcoming period, please make alternative payment arrangements by contacting our Customer Support Team at 905-513-5949 / 1-888-513-5949.

I recently moved to another province. What do I need from Subaru Financial Services to register my vehicle?

If you relocate outside of the province you plated your leased or financed vehicle, you will need to plate your vehicle in the Canadian province in which you now reside. To plate your vehicle in a new province, you will need a letter of authorization from Subaru Financial Services. For more information and assistance, contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

My vehicle is now paid in full. How do I obtain a letter of release for my records?

When your financed vehicle is paid in full, a letter of release will automatically be sent to your registered mailing address. If you require a release letter relating to your leased vehicle, please contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

Finance

Can I pay off my loan (finance contract) before maturity?

Yes, you can purchase your Subaru at any time prior to financial maturity. To purchase your financed vehicle, contact your originating Subaru Dealer or contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

Can I make a lump-sum payment on my finance account?

Yes, you may choose to pay off your loan earlier and reduce your interest charges by making a lump-sum payment on your account. To make such a payment, contact our Customer Support Team at 905-513-5949 / 1-888-513-5949 or your originating Subaru Dealer.

How can I obtain the balance on my loan account?

You may obtain your account balance by contacting our Customer Support Team at 905-513-5949 / 1-888-513-5949.

Is it possible to defer my payment on my finance account?

Yes, payment deferral is an option for short-term periods, but some restrictions may apply. To learn more about deferring a payment, contact our Customer Support Team at 905-513-5949 / 1-888-513-5949.

Lease

How many kilometres does Subaru Financial Services allow on a standard lease?

Subaru Financial Services offers the flexibility to choose an annual kilometre plan that best fits your needs. See below for your options.

Plan Annual Allowance
Standard 24,000 km
Low 20,000 km
Ultra-low 16,000 km

What if I drive more than 24,000 km/year?

If you would like a leased vehicle with a kilometre allowance over 24,000 km, you have the opportunity to purchase extra kilometres at a reduced rate when arranging your lease contract. If you do not purchase extra kilometres and go over your agreed allowance, you will be charged for the extra kilometres driven.

What if I drive less than 24,000 km/year?

If you drive less than 24,000 km/year, a Low kilometre (20,000 km/year) or an Ultra-Low kilometre (16,000 km/year) plan may be a better option for you when leasing a Subaru vehicle.

What is Guaranteed Asset Protection (GAP)?

If your leased vehicle is declared a total loss, GAP will cover the difference, after you pay your insurance deductible, between what you owe on the remainder of your lease and the amount of your insurance settlement. You are responsible for any excess wear and tear, kilometre charges, any pre-existing damage to the vehicle and any unpaid amounts owing under your lease as long as you have maintained the amount of insurance coverage required under your lease. GAP is automatically included in all Subaru Financial Services lease contracts.

What is excess wear and tear?

Excess wear and tear is what is considered to be damage outside of normal everyday use. Customers may be charged excess wear and tear fees at lease-end if they are not protected by Wear Pass or if damage is not covered under the Wear Pass program. Learn more about wear and tear by reading the Wear & Tear Guide.

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