There’s a unique thrill that comes with driving a Subaru, a feeling of confidence and capability whether you’re navigating city streets or exploring the tracks less travelled around our beautiful state. From the rugged Forester to the sleek Outback or the sporty WRX, our Subaru models offer a blend of legendary reliability, cutting-edge safety features, and exhilarating performance. But the journey to owning one shouldn’t be complicated. Our mission is to make that dream a reality for you, offering a range of flexible finance solutions specifically designed to suit your budget and lifestyle here in Perth. Subaru vehicles are perfectly suited for the diverse West Australian landscape. With their renowned Symmetrical All-Wheel Drive system, you gain unparalleled grip and stability, whether you’re navigating the daily commute through the city, heading down south for a weekend adventure, or tackling dusty tracks to discover hidden gems along the coast. Beyond their off-road prowess, Subarus are also celebrated for their commitment to safety, often featuring advanced EyeSight Driver Assist Technology, which acts as an extra set of eyes on the road. This combination of robust engineering, innovative technology, and a comfortable, spacious interior makes a Subaru not just a car, but a reliable companion for all of life’s journeys. However, purchasing a new or pre-owned vehicle is a significant investment, and that’s where intelligent finance options come into play, making ownership accessible and stress-free.
Tailored Finance Solutions for Every Driver
We understand that every individual’s financial situation is unique. That’s why we don’t offer a one-size-fits-all approach to car finance. Instead, our dedicated finance team works tirelessly to source and present finance packages that are perfectly aligned with your personal or business needs. Our goal is to provide clear, transparent options that allow you to drive away in your chosen Subaru with confidence, knowing you have a manageable repayment plan.
Personal Car Loans
For private buyers, a personal car loan is often the most straightforward and popular option. We offer various types of personal loans, including secured and unsecured options, though secured loans (where the vehicle acts as collateral) typically offer more competitive interest rates due to lower risk for the lender.
- Fixed Interest Rates: Enjoy the peace of mind that comes with consistent repayments throughout the loan term, making budgeting simple and predictable.
- Flexible Loan Terms: Choose a repayment period that suits you, from shorter terms for quicker ownership to longer terms for lower monthly instalments.
- Balloon Payments: For even greater flexibility, you may have the option of a balloon payment at the end of your loan term. This reduces your regular repayments, with the final lump sum payment allowing you to either pay off the car, trade it in, or refinance the balloon amount.
- No Deposit Options: In some cases, we can arrange finance that requires no upfront deposit, allowing you to get into your new Subaru sooner without impacting your savings.
Our finance specialists will guide you through the process, explaining all the terms and conditions in plain language, ensuring you make an informed decision about your Subaru purchase.
Commercial and Business Finance Options
If you’re a business owner or an ABN holder in Perth, a Subaru can be a valuable asset to your operations, and our commercial finance solutions are designed to provide tax-effective and flexible ways to acquire one. We offer a range of products tailored for businesses, including:
- Chattel Mortgage: A popular choice for businesses, a chattel mortgage allows you to own the vehicle from the outset while the financier holds a ‘mortgage’ over it until the loan is paid. This can offer GST benefits (if registered for GST) and depreciation claims.
- Hire Purchase: With a hire purchase agreement, the financier owns the vehicle for the duration of the contract, and you become the owner once the final payment is made. This is another effective way to manage cash flow and potentially claim tax deductions.
- Lease Agreements: Operating more like a rental, a lease allows you to use the vehicle for a fixed period with regular payments, without taking ownership. At the end of the lease, you can return the car, upgrade to a newer model, or purchase it for its residual value.
Our finance experts are well-versed in the intricacies of commercial finance and can help you select the option that best suits your business structure, cash flow, and tax strategy.
The Benefits of Choosing Our Subaru Finance in Perth
When you choose to finance your Subaru through our dealership, you’re not just getting a loan; you’re gaining a partner dedicated to simplifying your car buying experience.
- Convenience and Efficiency: Avoid the hassle of dealing with multiple banks and lenders. We can handle your finance application on-site, often securing pre-approval before you even step foot in the showroom. This streamlines the entire process, getting you behind the wheel faster.
- Access to Multiple Lenders: Thanks to our strong relationships with a wide network of reputable financial institutions, we can compare various offers to find you the most competitive interest rates and flexible terms available in the Perth market.
- Expert Guidance: Our finance team comprises experienced professionals who understand the nuances of car finance. They are here to answer all your questions, explain complex terms, and ensure you’re completely comfortable with your finance package.
- Tailored to Your Budget: We take the time to understand your financial situation, helping you structure a loan that fits comfortably within your monthly budget, ensuring responsible and sustainable car ownership.
- Transparent Process: We believe in complete transparency. All fees, interest rates, and terms will be clearly outlined, with no hidden surprises.
- Preserve Your Savings: Financing allows you to acquire your dream Subaru without depleting your personal savings, keeping your capital available for other investments or emergencies.
The Simple Steps to Driving Your Dream Subaru
Our finance process is designed to be as straightforward as possible:
- Initial Consultation: Speak with our finance specialists who will assess your needs, discuss your budget, and explain the various finance options available.
- Application: Complete a simple application form, either online or in person, providing the necessary personal or business details.
- Documentation: We’ll guide you on what documents are required (e.g., proof of income, identification, ABN details for business finance).
- Approval & Settlement: Once approved, we’ll finalise the paperwork, and you’ll be ready to take delivery of your new or pre-owned Subaru.
We pride ourselves on quick turnaround times, often securing approvals within hours, so you can start planning your first adventure in your new Subaru without delay.
Frequently Asked Questions About Subaru Finance
Q. What types of Subaru finance options are available in Perth?
We offer a range of flexible finance solutions including personal car loans (secured/unsecured, fixed rates, flexible terms, balloon payments, no deposit options) and commercial finance options for businesses (Chattel Mortgage, Hire Purchase, Lease Agreements).
Q. Can I get a Subaru car loan with no upfront deposit?
Yes, in some cases, we can arrange finance that requires no upfront deposit, allowing you to get into your new Subaru sooner without impacting your savings.
Q. What is a balloon payment option in a car loan?
A balloon payment is an optional lump sum payment due at the end of your loan term. It helps reduce your regular repayments throughout the loan, and at the end, you can pay it off, trade in the car, or refinance the balloon amount.
Q. How long does the Subaru finance approval process typically take?
We pride ourselves on quick turnaround times, often securing approvals within hours, so you can start planning your first adventure in your new Subaru without delay.
Q. Do you offer finance for both new and pre-owned Subaru vehicles?
Yes, our finance solutions are available for both new and pre-owned Subaru vehicles, making ownership accessible whether you’re buying a brand new model or a quality used car.
Experience the Subaru Difference with Confidence
Driving a Subaru is an experience unlike any other, offering a unique blend of safety, performance, and versatility that perfectly complements the West Australian lifestyle. With our flexible and competitive finance deals in Perth, that experience is closer than you think. Don’t let financial complexities stand between you and the Subaru you’ve always wanted. Our dedicated team is here to provide personalised advice and solutions, making the path to ownership smooth and rewarding.
Ready to explore the possibilities? Contact our finance department today or visit our dealership in Perth to discuss how we can help you drive away in your dream Subaru sooner.
