Leasing Vs Financing a New Subaru


Subaru Leasing vs Financing

Ready to get behind the wheel of a new Subaru model but aren't sure whether leasing or financing is right for you? Explore all the benefits leasing and financing has to offer with help from the expert finance team at Adventure Subaru. Shop, buy, and lease with confidence knowing you've made a decision that is right for your individual needs, budget, and lifestyle demands.

Whether that's getting a new ride every two to three years or if that is investing in your future, we are here to help. And when your lease is coming to an end, take time to review our Subaru Lease-End Options page for further information. From choosing to lease a new Subaru or purchasing your current lease to extending your lease or walking away after an inspection, the choice is yours! Keep reading to unpack all the benefits leasing and financing has to offer.

Subaru Leasing

Ready to jump into a new Subaru model but don't want the long-term commitment? Explore all our latest New Subaru Inventory, New Subaru Offers, and Incentives to find a lease deal right for you. Whether you're looking for a versatile Ascent, a spacious Forester, a capable Outback, or something else; we are sure to have a new Subaru model right for you. Subaru also has a first-class Lease Loyalty Program to help you access additional savings.

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 Benefits

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

Leasing Negatives

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

Subaru Financing

Looking to commit long-term and drive without limits? Financing may be right for you. This option is ideal for anyone who plans on owning their car for multiple years. And since you're borrowing money when you finance, you can compare from multiple lenders and find terms that work best for you. And after five or so years of paying off your automotive loan, you'll be able to enjoy a payment-free life!

That's not all, financing also offers more options throughout your ownership journey. From being able to resell or refinance to the ability to customize your Subaru and more! Shop our New Subaru Inventory, Reserve Your Subaru, View Certified Subaru Inventory, or shop All Used Inventory online. If you have any questions or want to get the financing process started, contact our Finance Center or you can even apply for Subaru financing online today.

Financing Benefits

  • 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

Why Lease or Finance at Adventure Subaru?

At Adventure Subaru, we're proud to be considered a premier destination for new Subaru vehicles in Painesville. Our showroom is stocked with the latest models ready to be leased, and our friendly and knowledgeable staff is available to help you find the right model and trim to fit your lifestyle. Our dealership is dedicated to making our customers happy. From the time you walk into our showroom to the day you return your lease, we're committed to ensuring that your experience with us has exceeded your expectations.


That all depends on your lifestyle needs and budget. When you finance, you are borrowing money to buy your Subaru. When you lease, you don’t own it but rather rent it for 2-3 years.

Yes, you can purchase your leased vehicle at any time during the lease. Contact us for forms, instructions, and the payoff amount.

Leasing offers more financial freedom, warranty coverage, the latest technology, and stylings, and offers loyalty incentives.

Financing empowers you to have an asset once paid off, has no mileage limitation, offers long-term savings, and enables you the ability to sell whenever.

If you’re leasing your current Subaru through Subaru Motors Finance, the Subaru of America Lease Loyalty Program could bring you more savings on your next Subaru lease. Under the Lease Loyalty Program, Subaru of America will make the first monthly payment on your new Subaru up to $500 when leased through Subaru Motors Finance. In addition, whether you lease or purchase through Subaru Motors Finance, Subaru of America will pay any disposition fee owed on your current leased Subaru as well as up to $200 for key replacement and $300 for tire replacement.

  • Lease a new Subaru
  • Purchase a new Subaru
  • Purchase your currently leased Subaru
  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
  • Holes, tears, burns, stains, strong odors, or excessively worn areas in the carpet, other interior surfaces, or convertible top.
  • Scratches, chips, dents, pits, rust, holes, or cracks in the wheels or exterior surfaces, windshield or other glass surfaces, or metal work.
  • Cracked, broken, or missing windows, doors, lights, trim, mirrors, or antennae.
  • Missing, damaged, or nonworking mechanical equipment, safety or emissions control equipment, electrical or other parts or accessories.
  • Damage to the vehicle's frame or alignment.
  • Damage due to improper, poor quality, or incomplete repairs or paintwork. You also will remain liable to us for the full cost of any such items resulting from intentional or willful abuse or misuse.
  • Any wear and use related to tires. Tire tread must be at least 1/8” (4/32”) at the lowest point and may not contain any other damages. Also, make sure that all tires match and are comparable quality to the original equipment. Also, make sure to remove snow tires before your pre-inspection. Other items may be excluded as outlined in the Lease Agreement.
  • Any missing manuals or missing or nonworking keys or remote entry devices.

No, the pre-inspection is optional. See Wear and Use for additional information.

  1. Adventure Subaru

    1991 Mentor Ave
    Painesville, OH 44077

    • Sales: 440-352-3700
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Get in Touch

  • Contact our Sales Department at: 440-352-3700
  • Monday9:00am to 7:30pm
  • Tuesday9:00am to 6:00pm
  • Wednesday9:00am to 6:00pm
  • Thursday9:00am to 7:30pm
  • Friday9:00am to 6:00pm
  • Saturday9:00am to 5:00pm
  • SundayClosed