Subaru Leasing vs Financing

2022 Subaru Crosstrek parked on a city street by a modern downtown building

Unsure whether to lease or finance? The experts at Janesville Subaru's Finance Center are equipped to help you find the right car loan or lease solution for the vehicle you want to drive home. You can find all our latest lease offers and finance incentives right here! Keep reading to better understand all the positives and negatives leasing and financing have to offer. We're here to help guide you to the option that best fits your budget and lifestyle needs.

Subaru Leasing

If you love always having the latest technology and stylings plus the benefits of warranty coverage for your entire ownership term, leasing may be right for you. On top of that, you don't have to worry about depreciation, long-term commitment, or resale. For those interested in spending less upfront and hassle-free returns, contact us today to get more information or browse all our current lease offers.

When you choose to lease a new Subaru, you also get to enjoy all the benefits of Subaru's Lease Loyalty Program. If your Subaru is leased through Subaru Motors Finance, you may qualify for the Subaru of America Lease Loyalty Program. Under the Lease Loyalty Program, Subaru will make the first monthly payment on your behalf - not to exceed $500 - on your next Subaru lease through Subaru Motors Finance and pay any disposition fee owed on your current leased Subaru. Offer subject to program rules and customer eligibility requirements. Ask your Subaru retailer for Lease Loyalty Program details.

Leasing Positives

  • Lease payment covers only the vehicle depreciated
  • Lease payments cost less
  • Down payments are less
  • Leases run for only 24 to 48 months
  • Leases are covered under the general warranty
  • You have multiple lease-end options

Leasing Negatives

  • Only allowed limited mileage amounts
  • Possible repairs charges at end of lease
  • No modification allowed

Subaru Lease-End Options

Know your Lease-End Options, decide how much you love your current Subaru-then, decide what's next.

  • Get a New Subaru: Take a test drive, check out offers, and arrange the turn-in of your current vehicle.
  • Purchase Current Subaru: If you want to purchase the Subaru you've grown to love, contact us to request a payoff quote.
  • Extend your Lease: If you need more time, send us a Secure Message to request a one-time six-month extension.
  • Lease Turn-In: Use our checklist to get ready for turn-in, and complete our vehicle turn-in form after a return.

Subaru Financing

Financing is a great option for anyone who plans on owning their car for multiple years. Since you're borrowing money when you finance, you usually have to pay over multiple years with interest a lot of the time. The benefits of financing a car usually don't come until after it's paid off and you no longer have to worry about any payment. Financing also offers the opportunity to resell, refinance, and personalize your ride.

Financing Positives

  • Ownership and ability to sell
  • No mileage restrictions
  • Can customize and alter
  • No car payments once paid off
  • Multiple lender options

Financing Negatives

  • Higher monthly payments
  • Higher down payment
  • Higher repair costs
  • Vehicle depreciation

Should I lease or finance?

That all depends on your individual lifestyle and budget restraints. Financing may be more expensive upfront but offers financial freedom after a few years; with leasing you don’t need to worry about depreciation and can enjoy a new car every 2-3 years.

What are the benefits of financing a Subaru?

  • You have an asset once paid off
  • No mileage limitation
  • Long-term savings
  • Ability to sell whenever

What are the cons of financing?

  • Higher monthly payments
  • Higher down payment
  • Higher repair costs
  • Vehicle depreciation

Why should I lease?

  • Warranty coverage
  • Latest technology and stylings
  • Available loyalty incentives

What are the cons of leasing?

  • Mileage limitations
  • No customizations
  • Not an asset

What are my Subaru lease return options?

  1. Lease a new Subaru
  2. Purchase a new Subaru
  3. Purchase your currently leased Subaru

What does the lease-end process include?

  1. Scheduling your inspection.
  2. Review and make possible repairs.
  3. Make an appointment at a dealer.
  4. Complete a federal odometer/lease termination statement.
  5. Pay any lease liability fees/charges.
  6. Pay any additional charges.

Lease or Finance at Janesville Subaru Today

Janesville Subaru's Finance Center is here to help you find the right car loan or lease solution for your individual needs. You can find all our latest lease offers and finance incentives right here and fill out an Auto Finance Application to get started!


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3519 Ryan Road, Janesville, WI, 53545
Janesville Subaru 42.723571, -88.9911132.