Modesto Subaru
 Sales 209-396-7655
Service 209-709-4094
Parts 209-653-0574
4360 McHenry Ave Modesto, CA 95356
Today 9:00 AM - 7:00 PM
Open Today !
Sales: 9:00 AM - 7:00 PM
Parts & Service: 7:30 AM - 5:30 PM
All Hours

Modesto Subaru Finance Center


Car Loans in Modesto & Subaru Leases | Serving Stockton, Manteca, & Turlock

Finance Your Next Vehicle With Modesto Subaru

Crunching numbers and developing a plan to pay for your next vehicle can be a hassle when you don't have the tools or resources available. That's why Modesto Subaru is here to help by providing drivers with expert advice about financing or leasing vehicles at affordable rates. We'll take the time to understand your situation and develop solutions that work best for your budget so you can drive home happy in the car, truck, or SUV of your dreams.

Modesto Subaru Finance Center


Should You Lease or Purchase Your Next Subaru?

Deciding between leasing or purchasing your next vehicle means asking yourself how much you drive and how long you think you'll own your current vehicle. For drivers who prefer driving long distances or owning their vehicle for more than five years, it often makes sense to purchase for the freedom of having a mobile asset in their name. Alternatively, drivers who drive short distances or want to upgrade to the latest model year may find leasing attractive as it provides short-term flexibility.

While each option has positives and negatives, discussing the details with an experienced finance professional is the best way to discover whether leasing or purchasing is right for you. We'll take the time to understand your current situation and provide pertinent information to help you become better informed.

Benefits of Financing With Modesto Subaru

One of the primary benefits of financing with Modesto Subaru is our access to lenders and banks that help drivers achieve their automotive ownership goals. By maintaining a solid relationship with financial institutions, we can explore various options and find a payment term, interest rate, and monthly payment that works best for your budget.

Another benefit to shopping with Modesto Subaru is our complimentary tools and resources for you to use when shopping, such as our Secure Finance Application and Purchase Incentives. We foster growth by helping our community feel relaxed in the dealership environment by providing individualized support and helping you leverage your budget toward a vehicle that expresses your personality.


We Have Flexible Credit Options

From shopping for new Subaru vehicles to exploring used cars, trucks, and SUVs that match your lifestyle, Modesto Subaru is here to help you drive home in a vehicle that suits your needs. We're proud to provide our community with flexible credit options that help them move forward by making smart investments. Utilizing our featured promotions, global incentives, and financial expertise, we'll spend the time to find solutions that work for you.


Frequently Asked Quesitons

How long are loan or lease payment terms?

Common term lengths for leases range from 24 to 48 months, with loans lasting anywhere from 48 to 72 months, with 84-month options available in special circumstances.

Is buying or leasing better?

Choosing between buying or leasing depends on how you use your vehicle and your monthly budget. Drivers who lease often have lower monthly payments but must adhere to mileage restrictions and can't modify their vehicles, whereas drivers who purchase work toward complete ownership while taking on maintenance responsibilities.

Can I finance without a down payment?

One of the benefits of receiving a loan is the customizations that can be made to match your budget, including no down payments or longer repayment terms. Without a downpayment, drivers should note that the financed amount will be higher, which can result in paying more interest over time.