Frequently Asked Questions

1. The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a loan with no GFV. Monthly repayments will be lower compared to a similar loan term with no GFV or no equivalent balloon final payment. Available on new and demonstrator Subaru vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS, or another person or entity with SFS’s agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle is damaged or you have travelled excess kilometres. Terms, conditions, fees and charges apply. Approved applicants only.

2. Finance to approved applicants only. These repayments are for indicative use only. No result from the use of the calculator should be considered a loan application or an offer of a loan. The estimated repayment amount is based on a secured Consumer Loan with a 48 month term, a 15,000 annual km allowance, 9.59% p.a. indicative interest rate with a $0 deposit and the displayed Guaranteed Future Value amount. Repayments must be made fortnightly or monthly and cannot be made weekly. Dealer commission, standard fees and charges apply. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

4. Most of our property owner customers qualify for the advertised comparison rate or better. The actual comparison rate offered to you may vary based on factors including your credit score, loan amount, term and property ownership status. The comparison rate is based on a secured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian credit licence 483211.

(i) Comparison Rate
The comparison rate includes your loan’s interest rate – plus other fees and charges relating to your loan – and expresses the combined amount as a percentage figure to determine the true cost of your loan. Estimates are indicative only. This indicative estimate has been provided to assist you with calculating what your repayments may be and does not constitute an offer capable of acceptance. Rates are subject to the accuracy of the information provided by you, the outcome of the assessment of your application, and changes in base rates. Any changes to the loan details may result in a different interest rate. The actual rate applied and repayment amount will be confirmed in the finance documentation if your application is approved. Fees and charges are payable. Full terms and conditions are available on request.