so i am putting a deposit on a Forester that won't arrive on the lot until the end of October at the earliest, but quite possibly not until the first week of November.
that said, how can i still take advantage of the 0% financing? is there any way to lock that in considering i'd be in the vehicle now if it were on the lot?
I'm in the same boat and my dealer has told me they can't do anything with Subaru Financing until the vehicle is on the lot. That being said, the 0% financing seems to keep getting renewed, so maybe it'll be renewed again for November...?
No manufacturer will hold financing on a vehicle. You are stuck with whatever promo is running at the time of delivery. Hopefully, they will extend it again but, even if they don't, you will, most likely, get anything from 1.49 - 1.9% which is still very good.
I liked the sound of 0% but not the short 48 month term. I was offered 0.9 for 60 (which I took) or 1.9 for 72 months. I make a good upper-middle class income and my credit is in the high 700's.
Just to get a monthly payment I was comfortable with. With mortgage, daycare, Xmas coming, etc. I wanted to stay around $450. I wasn't mentioning income like I was bragging or anything, just saying that those were the rates Subaru offered me.
They keep extending the 0% offer. I started looking at end of August bought it in October. The offer was extended every month. We took the 0% for 48 because, well 0%...
You might be in an even better position in November. One month closer to the end of the year and automakers want to close out strong. November and December are historically good months to shop because in November, they lose a great deal of traffic to Thanksgiving (a week) and in December because everyone's budgeting for Christmas.
From Subaru's webpage "...Loan and lease accounts are owned by Chase.."
I think Subaru must be pitching in money to get the 0% rate from Chase. Since I am providing my own finance, pay me (via an incentive in lieu of 0%) instead of paying Chase.
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