Subaru Motors Finance (SMF) is the captive lending arm of the brand, operated through a partnership with JPMorgan Chase. The primary advantage of SMF lies in its exclusivity. Because the goal is to help you drive a Subaru, they often offer incentivized APR (Annual Percentage Rate) programs that traditional banks simply cannot match. For instance, during seasonal events, it is common to see 0% or 1.9% APR offers on select models like the Forester or Solterra. These rates are specifically designed to lower the cost of borrowing for well-qualified buyers in the Sunset Hills area.

Beyond just low rates, SMF offers integrated protection plans and flexible terms that are tailored to the Subaru ownership experience. This includes seamless transitions if you choose to trade in your vehicle for a newer model later. If you are looking for the lowest possible cost of entry on a brand-new vehicle, checking the Current New Car Specials is the best way to see which SMF offers are currently active in Missouri.

Local Missouri Lending involves working with your personal bank or one of the many credit unions in the St. Louis region. While they may not always offer the rock-bottom 0% APR of a manufacturer incentive, they offer a different kind of flexibility. Local lenders often have more latitude with credit profiles that are ‘in-between’ or for buyers looking to finance a high-quality pre-owned vehicle.

At Sunset Hills Subaru, we maintain strong relationships with a vast network of local and national lenders. This allows us to act as your advocate, shopping your application around to find the most competitive terms available if an SMF program isn’t the right fit. Whether you’re looking at our Used Vehicle Inventory or a brand-new model, our goal is to provide a side-by-side comparison so you can see exactly where your monthly payment will land. If you have questions about current market rates, please Call us at (314) 476-9638 for a personalized consultation.

Deciding whether to lease or buy often comes down to your driving habits and how long you plan to keep the car.

Why Lease? Leasing is ideal for St. Louis drivers who enjoy having the latest technology and safety features every few years. Because you are only paying for the vehicle’s depreciation during the 24 to 42 months you drive it, your monthly payments are typically lower than a traditional loan. Furthermore, for Missouri residents, you only pay sales tax on the monthly lease payment rather than the full purchase price of the vehicle. If you commute from Sunset Hills to downtown St. Louis and stay within standard mileage limits (usually 10,000 to 15,000 miles per year), leasing a New Subaru Inventory model ensures you are always under the factory warranty.

Why Buy? Traditional financing is the path to long-term ownership. Once the loan is paid off, the vehicle is yours, free and clear. This is the preferred choice for high-mileage drivers or those who want to customize their Subaru with genuine accessories. Buying also builds equity over time. If you plan to keep your Crosstrek or Ascent for a decade, financing is the most cost-effective route. Regardless of which path you choose, our team will help you calculate the ‘total cost of ownership’ so there are no surprises down the road.

The Subaru Guaranteed Trade-In Program (GTP) is an exclusive benefit for current owners. It provides a hassle-free, market-based value for your vehicle when you upgrade to a newer model, ensuring you get a fair price without the stress of negotiation.

In Missouri, trading in a vehicle can save you significant money on sales tax. The value of your trade-in is deducted from the purchase price of your new car, and you only pay sales tax on the remaining difference. This is a massive financial win.

While zero-down options are available for many, a healthy down payment (including your trade equity) reduces your principal loan amount. This leads to lower monthly payments and less interest paid over the life of your loan.

At Sunset Hills Subaru, we are proud to offer specialized financial assistance to those who serve our community and those beginning their professional journeys.

Subaru College Graduate Program: If you’ve graduated in the last 24 months (or are graduating in the next 4), you may be eligible for a $500 rebate plus special financing rates through SMF. This program is designed to help young professionals in St. Louis establish credit with a reliable vehicle like the New Subaru Impreza Inventory.

Military Incentive Program: To show our gratitude, active-duty and reserve members of the U.S. Air Force, Army, Navy, Marines, National Guard, and Coast Guard, as well as veterans and retirees within 12 months of their date of separation, can receive a $500 rebate. This rebate can be combined with other national incentives, making it easier to drive home a rugged New Subaru Ascent Inventory for the whole family.

To apply these discounts, simply bring your proof of graduation or military service to our dealership. We invite you to Get Directions to Sunset Hills Subaru and speak with our specialists about your eligibility.

Our secure online credit application allows you to get pre-approved from the comfort of your home. This gives you a clear picture of your buying power before you even step onto the lot.

Use our payment calculator to experiment with different down payment amounts, loan terms, and interest rates to find the monthly payment that fits your budget perfectly.

Filter our live inventory by price and features. You can even browse specific models like our New Subaru Outback Inventory or the rugged New Subaru Forester Inventory.