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Old 03-18-2010, 02:35 PM   #1 (permalink)
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Default Current Financing for new '10 Subaru

New to the forum...so be easy on me.

I saw some similar posts...but did not find any comments on current finance rates for purchasing.

Looking at the Limited Forester or maybe an Outback. The current rate is 2.9%. Several months back it looks like people were getting 3.9% or 4.9%.

So, my question....is 2.9% about as good as it gets with Subaru? Do they ever go to 0%, 0.9% or 1.9% on either the Outback or Forester? We have an excellent credit rating of between 750 and 800 with up to $5K to put down.

I'm just trying to figure out if I should pull the trigger now with 2.9% or wait.

Any advice would be greatly appreciated. Thanks!
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Old 03-18-2010, 02:54 PM   #2 (permalink)
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Welcome to the board. Sorry I can't help.
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Old 03-18-2010, 03:24 PM   #3 (permalink)
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Default financing

I don't think finance rates for Subies have an identifiable pattern of up and down fluctuation. Though, wouldn't it be cool to know how and when the banks decide to fluctuate the finance rate? That freakin rate depends on a lot of different factors, the main one being the bank.

Of course, you could always finance through your own bank instead of the stealer's. You "might" get a better rate.

That said, IMO, 2.9% is pretty darn good, especially given the popularity of the new models. Sure, it isn't is as good as 1.9% (I've seen it), which you can get from time to time (who knows when). But I don't think you'll EVER get 0% financing on Subies (I've never seen it). They simply move too quickly.

In my neck of the woods, the finance rates are set by the stealer's partner bank (Chase), and the bank DOES NOT budge, no matter how good your credit score is.

My credit score is impeccable, and I couldn't get my stealer to even consider doing anything with the finance rate. My sales guys said, "it's been set and that's it." Period. He had no say in the matter. So, I settled for 4.9%. Man on man, I wish I had 2.9% financing.

Thankfully, I didn't have to finance a whole lot. That's my .02
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Old 03-18-2010, 03:40 PM   #4 (permalink)
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Default 1.9% for 48 months

I got 1.9% for 48 months, but the salesman didn't reveal this until late in the negotiation because I wasn't letting on whether or not I'd even take financing. All he told me about was the 2.9% for 60 months and then would ask how much I was putting down, and I just told him to focus first on the price, then we'd get to financing. I think he got a little panicky and then, "oh, I forgot to tell you, we're offering 1.9%...." Typical.

One more thing: bring something other than a debit card because, at least at my dealer, they won't let you put more than $2,500 down using a debit. I was prepared to put down a lot more than that, but little did I know that they had all the answers!

Happy hunting.
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Old 03-18-2010, 05:26 PM   #5 (permalink)
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Just bought my 2010 forester. 2.9% for 63 months.
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Old 03-18-2010, 06:08 PM   #6 (permalink)
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I got 2.9% but could have got 0% on 24 months.
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Old 03-19-2010, 02:49 PM   #7 (permalink)
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2.9% for up to 63 months is as good as it gets. That is considered very good for a Subaru at this time, I wouldn't expect any better as the '11's will be here in a few months and it's not like they're hard up to get rid of '10's.

I think 24 months gets 1.9%, I'm not at work now so i forget
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Old 03-23-2010, 05:10 PM   #8 (permalink)
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When I purchased my 2004 Forester I got 1.9% for 60 months. I've been looking around for the past year or so and haven't seen it go that low again. Best I've seen to-date is 2.9 for 63 months...that info is posted on the subaru website. I do keep hoping for 1.9%again though... Did you know the subaru website has a finance calculator where you can plug in the amount of the car, deposit or trade in value, interest rate and # of months and it will calculate your monthly payments? It's kind of neat to play around and see what you can afford. Also, you can plug in the 1.9% and 2.9% and then figure out just how much you're really paying in interest over the course of the loan and whether you think it pays to wait for a lower rate.
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