Buying a Used Subaru on Finance
Looking to finance a used Subaru? AutoMoney Trust can help you spread the cost of models like the Subaru Forester, Impreza, Outback, XV and WRX STI with fixed monthly hire purchase payments.
A used Subaru can be a strong choice if you want all-wheel drive, rugged practicality and something different from the usual mainstream brands. Subaru is often chosen by drivers who want grip, stability and confidence in poor weather or rural driving conditions.
Models like the Forester and Outback can suit families, outdoor hobbies and drivers who want estate or SUV practicality. The XV offers a smaller crossover option, while the Impreza and WRX STI appeal more to drivers who want hatchback usability or performance.
Before applying for finance, check whether a Subaru suits your normal driving. All-wheel drive can be useful, but it can also mean higher fuel use, tyre costs and maintenance compared with some two-wheel-drive alternatives.
For wider budgeting, read running and servicing costs before choosing a used Subaru.
Subaru cars can be reliable when maintained properly, but service history is especially important. Many Subaru models use boxer engines and all-wheel-drive systems, so regular maintenance and correct servicing matter.
Before applying for finance, check the service record, MOT history, oil changes, coolant condition, tyres, brakes, suspension and whether the car has been used for towing, rough roads or performance driving. A poorly maintained Subaru can become expensive, even if the model itself has a good reputation.
On performance models such as the WRX STI, check carefully for modifications, hard use, clutch wear, turbo issues and signs of poor previous repairs. On larger models like the Outback and Forester, check tyres, suspension and underbody condition.
For a wider used-car checklist, read choosing a second-hand car. If faults appear after purchase, problems with a financed car explains what to do next.
Subaru maintenance can cost more than some mainstream cars because of the all-wheel-drive system, boxer engine layout and more specialist parts on certain models. Costs depend on the exact model, mileage, service history and whether you use a Subaru specialist.
Tyres are especially important on all-wheel-drive Subarus. Uneven tyre wear or mismatched tyres can cause issues, so check tyre brand, tread depth and replacement history before applying for finance.
Insurance can also vary. Practical models such as the Forester, Outback and XV may suit everyday drivers, while the WRX STI can cost more to insure, service and repair because of its performance focus.
If you are comparing borrowing costs as well as maintenance costs, what APR means in car finance explains how finance costs are shown.
Some Subaru models can hold value well because they appeal to a specific group of buyers who want all-wheel drive, rugged practicality or performance. The Outback, Forester and WRX STI can be desirable when they have strong service history and good condition.
Value still depends on mileage, condition, service history, trim, engine, market demand and how the car has been used. Modified performance models, cars with missing maintenance records or vehicles with repeated MOT advisories may be harder to sell later.
If you are financing a used Subaru, remember that the total amount payable can be higher than the cash price because interest and fees may apply. Depreciation should be considered alongside the monthly payment and running costs.
If you already have a vehicle to move on, part-exchanging a car explains how condition and value can affect your next purchase.
Used Subaru finance customers often compare the Forester, Impreza, Outback, XV and WRX STI because each model suits a different type of driver.
The Subaru Forester is a practical SUV with all-wheel drive, useful space and rugged appeal. It can suit families, rural drivers and anyone who wants a capable used SUV.
The Subaru Outback is a raised estate-style car with extra ground clearance and all-wheel drive. It can suit long journeys, outdoor hobbies and drivers who want practicality without a traditional SUV shape.
The Subaru XV is a compact crossover that gives drivers a smaller Subaru option with all-wheel-drive confidence.
The Impreza and WRX STI may suit drivers who want hatchback usability or stronger performance. Before choosing a model, compare insurance, service history, MOT record, mileage, tyre condition and whether the car suits your normal journeys.
Hire purchase is a common way to spread the cost of a used Subaru. You choose the car, agree the amount to finance, then make fixed monthly payments over an agreed term. At the end of the agreement, once all payments and the option to purchase fee have been paid, ownership can transfer to you.
Before applying, check your budget carefully. The monthly finance payment is only one part of the cost. You should also consider insurance, servicing, tyres, fuel, repairs and whether the Subaru model you want fits your day-to-day use.
Our guide explains how HP finance works if you are new to hire purchase. You can also estimate your monthly payments with the finance calculator, then apply online when you are ready.
Finance is subject to status and affordability. Your individual rate and approval depend on a full assessment, not a representative example.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
Yes, you can apply for used Subaru finance through AutoMoney Trust.
The used Subaru market includes a varied selection of vehicles. Models such as the Impreza provide hatchback practicality, while the Outback and XV offer additional ground clearance and all-wheel-drive capability. If you're looking for something more focused on driving enjoyment, you may also come across used Subaru BRZ models.
Many SUbarus are known for their all-wheel-drive system, which can make them appealing to drivers looking for additional capability in poor weather, rural areas or on less predictable road surfaces.
You can explore your finance options before settling on a particular Subaru, giving you an idea of your potential budget beofre choosing an eligible vehicle.
FInance is subject to status, affordability checks and our lending and vehicle criteria. You can use the finance calculator to estimate example monthly repayments before applying.
The best Subaru to finance depends on whether you're looking for everyday practicality, all-wheel-drive capability or something more focused on driving enjoyment.
The Subaru XV may suit drivers who want the higher driving position and versatility of a crossover without choosing one of Subaru's larger models. The Forester provides a more traditional SUV layout, with additional space that can be useful for family life, outdoor activities or regularly carrying equipment.
The Subaru Outback combines estate-car practicality with increased ground clearance and all-wheel-drive practicality with increased ground clearance and all-wheel-drive capability. This may appeal to drivers who regularly cover longer journeys or want plenty of luggage space without choosing a conventional SUV.
If you don't need an SUV or crossover, the Subaru Impreza offers a more conventional car format while retaining the brand's distinctive approach to engineering.
The Subaru BRZ is the outlier in the range. As a rear-wheel-drive sports coupe, it prioritises handling and driving enjoyment rather than the all wheel-drive practicality associated with many other Subaru models.
When comparing SUbaru car finance, think about which of these characteristics you'll genuinely use. The right choice could be very different for someone wanting and everyday crossover, a spacious car for outdoor activites or a lightweight sports coupe.
Some Subarus can cost more to run than comparable two-wheel-drive cars, particularly if you're looking at an all-wheel-drive or higher-performance model.
Many Subarus use the brand's symmetrical all-wheel-drive system alongside a boxer engine. While this combination is a key part of Subaru's appeal, it can contribute to higher fuel consumption than you might expect from a similarly sized two-wheel drive car.
Tyres deserve particular consideration on all-wheel-drive models. Keeping tyres appropriately matched in size, type and condition can be important, so replacing a single damaged tyre may not always be as straightforward as it would be on some other cars.
Performance-focused models such as the WRX STI can be considerably more expensive to own. Fuel use, insurance and performance components can all add to the cost, particularly if the car has been modified or driven hard by previous owners.
Subaru's engineering is also less conventional than that of many mainstream cars, so it's worth finding out whether suitable servicing and repair expertise is readily available in your area.
If you're considering Subaru car finance, allow for the characteristics of the exact model you're buying rather than judging costs from the purchase price alone. For example, a standard XV and a modified WRX STI can have very different ownership costs.
Before financing a used Subaru, pay particular attention to how the vehicle has previously been used. Models such as the Forester, Outback and XV may have been chosen foe their all-wheel-drive capability, so inspect underneath the vehicle for signs of damage, corrosion or frequent use on rough surfaces.
On all-wheel-drive models, look carefully at the tyres. Check that they are the correct size and that their type, condition and tread wear are consistent across the car, as significant differences can be more important on an all-wheel-drive vehicle.
If you're considering a performance-focused Subaru such as a WRX STI, investigate whether it has been modified. Changes to the engine, exhaust, suspension or software should be understood before financing, along with any evidence that the car has previously been used particularly hard.
The BRZ deserves a slightly different approach because it is rear-wheel-drive rather than following the all-wheel-drive layout associated with many Subarus. Check for modifications and signs of previous performance use, particularly on older examples.
Before applying for Subaru car finance, make sure you understand the individual car's previous use and any modifications and signs of previous performance use, particularly on older examples.
