Is Subaru Still Offering 0% Financing? The Complete Guide to Subaru’s Financing Options

If you are planning to buy a Subaru car, financing your purchase is the most practical and convenient way to do it. One of the most attractive financing offers for car buyers is 0% financing, which means the car manufacturer finances the purchase without adding any interest charges. In this article, we will explore whether Subaru is still offering 0% financing, what the eligibility criteria are to avail of this offer, how it compares to other financing options, and more.

What is 0% financing?

Before jumping into Subaru’s financing options, it’s important to understand what 0% financing is and how it works. Essentially, 0% financing means that the car manufacturer offers a loan for the purchase of a car without adding any interest charges. It is an incentive to attract car buyers, increase sales, and retain customers. However, qualifying for 0% financing can be challenging, and often requires a good credit score and a substantial down payment.

Is Subaru still offering 0% financing?

Yes, Subaru is still offering 0% financing on select models. However, it’s important to note that this offer is usually for a limited time only and is subject to change without prior notice. Therefore, it’s best to check with your local Subaru dealer to find out more about the current financing offers available.

What are the eligibility criteria for availing 0% financing?

To qualify for 0% financing, you need to meet certain criteria, such as having a good credit score, a stable income, a substantial down payment, and a history of responsible borrowing and repayment. The eligibility criteria may vary depending on the dealership and the financing offer. Therefore, it’s best to consult with your local Subaru dealer to find out what the specific requirements are.

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Comparison of financing options available for Subaru cars

Apart from 0% financing, there are other financing options available for Subaru cars, such as leasing, traditional financing, and cash payments. Each option has its own pros and cons, depending on your financial situation and your personal preferences. Here’s a quick comparison of the financing options available:

  • Leasing: Leasing is a good option if you want to drive a new car every few years and have lower monthly payments. However, you won’t own the car, and there may be mileage restrictions and penalties for excessive wear and tear.
  • Traditional financing: Traditional financing means taking out a loan from a bank or other financial institution to purchase the car. You will own the car, but you will have to pay interest charges, which can add up to a significant amount over the life of the loan.
  • Cash payments: If you have the cash on hand, paying for the car outright can save you money on interest charges and give you ownership of the car from the start. However, not everyone has the luxury of making a large cash payment upfront.

Pros and cons of 0% financing offers

While 0% financing may seem like the perfect financing option, there are both pros and cons to consider before making a decision. Here are some of the advantages and disadvantages of 0% financing:


  • No interest charges: The biggest advantage of 0% financing is that you don’t have to pay any interest charges, which can save you thousands of dollars over the life of the loan.
  • Lower monthly payments: With no interest charges, your monthly payments will be lower than if you were taking out a traditional loan. This can help you stay within your budget and make your car payments more manageable.
  • Better bargaining power: If you qualify for 0% financing, you may have better bargaining power with the dealership, as they are eager to sell the car and may throw in some extras to sweeten the deal.
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  • Strict eligibility criteria: To qualify for 0% financing, you need to have a good credit score, a substantial down payment, and a history of responsible borrowing and repayment. Not everyone may meet these criteria, which can limit the number of people who can avail of this offer.
  • Limited selection of models: 0% financing may be available only on select models of Subaru cars, which may limit your options in terms of the car you want to buy.
  • No cashback or rebates: 0% financing usually comes at the expense of cashback or rebates, which means you may not get the best deal in terms of the overall price of the car.

Tips to get the best financing deal for a Subaru car

Whether you decide to go for 0% financing or another financing option, it’s important to get the best deal possible. Here are some tips to help you get the best financing deal for a Subaru car:

  • Shop around: Don’t settle for the first financing offer you get. Shop around and compare rates, terms, and fees from different lenders and dealerships to find the best deal.
  • Negotiate: Negotiate the price of the car and the terms of the financing offer with the dealership. Don’t be afraid to walk away if you’re not getting the deal you want.
  • Read the fine print: Before signing any financing agreement, read the fine print and understand the terms and conditions. Look out for hidden fees, penalties, and clauses that may affect your ability to pay off the loan.
  • Improve your credit score: The better your credit score, the more likely you are to get a good financing deal. Therefore, work on improving your credit score by paying off debts, paying bills on time, and avoiding new debt.
  • Save up for a down payment: A substantial down payment can make a big difference in the terms of your financing offer. Therefore, save up as much as you can for a down payment to reduce the amount you need to borrow.
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Q: Is 0% financing the same as no money down financing?

A: No, 0% financing means that there are no interest charges on the loan, while no money down financing means that you don’t have to make a down payment upfront.

Q: Is 0% financing available for used Subaru cars?

A: 0% financing is usually available only for new Subaru cars, as it is an incentive to attract buyers for a new model. However, some dealerships may offer low-interest financing for used cars.

Q: Can I negotiate the terms of 0% financing?

A: Not usually, as 0% financing is a promotional offer that comes with strict terms and conditions. However, you may be able to negotiate the price of the car or the value of your trade-in to get a better deal.


Financing your Subaru car can be an exciting yet daunting task, especially if you’re not familiar with the process. However, by understanding the financing options available, comparing the pros and cons, and following the tips to get the best deal, you can make an informed decision that fits your budget and your lifestyle. So, is Subaru still offering 0% financing? The answer is yes, but make sure to do your research and check with your local dealership for the latest financing offers.

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Peter Banks

With years of experience as a professional mechanic and Subaru specialist, Peter is one of the most respected members of our team. He's written several articles on Subaru maintenance and repair, and his advice and tips are always practical and helpful. When he's not working on cars, he enjoys cooking and trying out new recipes.

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