Subaru Financing: What To Know in 2026
Whether you’re looking for an everyday driver or an off-road SUV, a Subaru might fit the bill. Unless you’re paying cash, you’ll likely need a loan. Explore your Subaru financing options and compare your monthly payments to the average to make sure you’re getting a competitive offer.
How do your Subaru payments compare to the average?
Use the LendingTree auto loan calculator to determine how much car you can afford.
We analyzed data from trusted sources like Edmunds and Experian to estimate average Subaru monthly payments based on credit score.
Here’s how to use our guide to help you shop for a good deal on a Subaru loan.
- Check your credit. You’ll need to know your credit score to use our guide. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Find your credit score and Subaru model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Subaru payments.
Estimated average monthly payments for new Subarus
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2026 Subaru Forester | $29,995 | $477.02 | $428.40 | $403.13 | $420.49 |
| 2026 Subaru Outback | $34,995 | $576.50 | $517.74 | $487.21 | $508.18 |
| 2026 Subaru Crosstrek | $26,995 | $417.33 | $374.79 | $352.69 | $367.87 |
| 2026 Subaru Ascent | $40,795 | $691.90 | $621.38 | $584.73 | $609.90 |
| 2026 Subaru Impreza | $26,595 | $409.37 | $367.64 | $345.96 | $360.85 |
Estimated average monthly payments for used Subarus
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2020 Subaru Forester | $16,085 | $294.54 | $259.64 | $229.35 | $224.06 |
| 2020 Subaru Outback | $16,725 | $310.10 | $273.37 | $241.47 | $235.91 |
| 2020 Subaru Crosstrek | $16,584 | $306.67 | $270.34 | $238.80 | $233.30 |
| 2020 Subaru Ascent* | $17,514 | $329.29 | $290.28 | $256.41 | $250.50 |
| 2020 Subaru Impreza | $13,431 | $229.98 | $202.74 | $179.08 | $174.95 |
Subaru finance options
It’s not as exciting as buying a Subaru, but researching your finance options isn’t a step you should skip. Shopping and comparing offers may be the best way to find the best auto loan for you.
Subaru Motors Finance
You have at least good credit and are shopping for a model on a special promotional offer.
For buyers who qualify, manufacturer financing (or captive financing) usually offers the lowest APRs. This option means you are getting a car loan directly from your vehicle’s manufacturer. In Subaru’s case, it’s Subaru Motors Finance (SMF), a program under JPMorgan Chase Bank.
To get a preapproved car loan from Subaru Motors Finance, you need to know which Subaru you’d like to buy. The model and model year you buy can impact your APR.
You can apply online, and Subaru provides most approval decisions within an hour of your application. If it approves you, you’ll get your loan offer by email. Then, you can take it to your local Subaru dealer.
Subaru’s special financing and leasing offers vary by ZIP code. Subaru also does not disclose what credit score you need to buy a car. You must be a “well-qualified applicant.” This could mean a good credit score or higher (“good credit” starts at 670).
Financing programs and incentives
Subaru regularly offers financing and leasing incentives that may reduce your overall cost, including promotional APRs, discounted lease payments and savings for eligible groups such as military members or recent college graduates.
Some incentives may also be tied to specific vehicle characteristics, such as where the car is assembled. Availability varies by model and ZIP code, so reviewing Subaru’s current offers through its website or a local dealer is the best way to see what you may qualify for.
Bank and credit union auto loans
Your bank or credit union offers benefits for both banking and borrowing.
You might get a great deal on Subaru financing by going through your bank or credit union. Many give out loyalty discounts.
For example, Bank of America members could get an APR discount between 0.25% and 0.50% as part of the Preferred Rewards program. To take advantage of Preferred Rewards, you must have a BoA checking account with a specific minimum balance, based on program tiers.
Credit union auto loans also usually come with low APRs and extra benefits. Take PenFed Credit Union and Navy Federal Credit Union (NFCU). They sometimes have Subaru financing deals for members who use their TrueCar car-buying service.
Banks and credit unions don’t usually disclose their minimum credit score requirements. However, having a longstanding, positive relationship with your bank could make it more likely to approve you.
Online auto loans
You have good or bad credit and want to compare multiple offers at once.
Online auto loans can be great no matter your credit, but for different reasons. If you have excellent credit, you could qualify for low rates. If you don’t qualify for a loan through Subaru Motors Finance or your bank, you might have luck shopping for a bad credit car loan online.
Online auto loans also make it easy to compare rates. Use LendingTree’s online auto loan marketplace to compare offers from up to five lenders at once. Checking rates won’t impact your credit.
In-house financing
You have bad or no credit and don’t qualify for other Subaru finance options.
You could turn to in-house financing as a final resort. Also called buy here, pay here, this option means your car loan will come from your dealer rather than a lender. Buy here, pay here loans are among the easiest to get. They also come with expensive, sometimes predatory APRs.
Buy here, pay here car lots also specialize in older vehicles — sometimes much older than what you’d find at a traditional car lot. As a result, you’ll have a limited selection and you may risk ending up with an upside-down car loan.
How we calculated average monthly Subaru payments
To calculate average monthly Subaru payments, we found estimated starting MSRPs and the fair purchase price for some of Subaru’s most popular models. MSRPs and fair purchase prices are based on data available at the time of writing, as they change frequently.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Subaru payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 2025. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, zip code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.34% | 9.77% | 6.51% | 4.88% |
| Average loan term | 74.30 | 75.03 | 72.01 | 64.80 |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 19.00% | 14.11% | 9.65% | 7.43% |
| Average loan term | 66.58 | 68.30 | 68.54 | 65.86 |
Frequently asked questions
Subaru 0% financing deals may be available on select models. Availability varies, and these offers are typically limited-time promotions.
This depends on your specific credit score and Subaru’s current financing deals. At the time of this writing, you can find APRs as low as 0% for a select time on certain models with Subaru Motor Finance via Chase Bank. These deals are subject to credit approval.
Interest rates for other types of Subaru financing (banks, credit unions, online auto lenders and in-house financing) vary. You’ll need to apply for preapproval or contact the lender for further details.
Subaru Motors Finance doesn’t disclose its minimum credit score requirements. Instead, it says it approves “well-qualified applicants” for its best offers. If well-qualified means good credit, you’ll need a score of at least 670. The range for excellent credit starts at 740.
Credit score requirements for options other than Subaru Motors Finance vary. Banks and credit unions rarely disclose their requirements, but some online lenders are more transparent. Carvana, for instance, has no minimum credit score requirement.
If you’re ready to pay off your loan and it’s through Subaru Motors Finance, the first thing to do is to turn off your automatic payments. Only do this if you plan on paying off your Subaru right away. Otherwise, you could miss a payment, and that could seriously affect your credit.
Then, you’ll need to get a payoff quote. Log into your online account through Chase, click the “More” menu and find “See a payoff quote.” This is the amount you need to make to pay your car loan off early.
A payoff quote is different from your total remaining balance. Your remaining balance also includes the interest you’d pay if you went through with your full loan term. Subaru does not charge loan prepayment penalties.
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