Also known as: Subaru Motors Finance; SMF
Subaru Motors Finance is the captive finance brand for Subaru of America, Inc. and provides vehicle financing and lease products for Subaru vehicles sold through authorized dealerships in the United States. The financing is administered through Chase Auto, the auto lending division of JPMorgan Chase Bank, N.A., which funds the loans on behalf of the Subaru brand program.
As a captive lender program, Subaru Motors Finance exists to support Subaru vehicle sales through the US dealer network. Buyers encounter Subaru Motors Finance offers through the finance department at an authorized Subaru dealership rather than through a direct standalone consumer application.
Subaru Motors Finance commonly offers retail installment loans for new and certified pre-owned Subaru vehicles, as well as lease financing for new models. Subaru has a strong lease program, and Subaru Motors Finance manages a significant number of leases in the US market.
Manufacturer promotional financing offers are available periodically on specific Subaru models, typically targeted at buyers with strong credit profiles. These promotional rates are limited to qualifying vehicles and apply only during their advertised promotional windows.
Because the financing behind Subaru Motors Finance is funded by Chase Auto, the underlying credit standards and servicing are those of a large national bank. Consumers should compare the Subaru Motors Finance offer from the dealership with quotes from their own bank, credit union, or directly from Chase Auto to determine which option provides the best overall terms for their situation.
Quick info
Auto Finance
Subaru Motors Finance; SMF
Chase (serviced by JPMorgan Chase Bank, N.A.)
Not verified
2026-06-06
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Auto loans; leasing for Subaru vehicles
Additional notes
Financing available through authorised Subaru dealerships.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about Subaru Motors Finance?
Start with Subaru Motors Finance's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Subaru Motors Finance regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Subaru Motors Finance's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Subaru Motors Finance has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Subaru Motors Finance issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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