Subaru Finance Center in Utica, NY

Subaru of Utica takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Subaru of Utica Vehicle?

You've done it! After doing the research, exploring your options, and taking the test, you have picked out the Subaru you have been dreaming of driving. Before you can head out adventuring around Utica, Yorkville, and Whitesboro, NY, in your Outback, Crosstrek, or Impreza, though, you will just need to complete one last task. You need to figure out how you'd like to go about paying for your new ride.

Luckily, the Subaru financing portion of the car-shopping journey is a breeze when buying your car at our dealership, thanks to our Subaru financing experts here at Subaru of Utica.

Not only does our Subaru finance center offer competitive rates and options, but we also work fast so that you can start enjoying your new ride even sooner. When you're ready to improve your travels with a more exciting vehicle, rely on our Subaru finance center to make the buying or leasing process quicker and easier.

Lease or Finance

After choosing your favorite new Subaru model from our lot, the next big step is deciding whether to buy or lease. Thankfully, our Subaru finance staff is here to help you make a more informed decision by offering some pointers. Purchasing your next vehicle will make you the sole owner, and give you freedom in mileage and customization. This means you can add any accessories to your car that you'd like, whether you want to put a bike rack on top of your Outback, or add all-weather floor mats to your Ascent.

On the other hand, leasing gives you more flexibility in what you drive, allowing you to swap rides every few years for a new lease. This means you can enjoy all the latest upgrades Subaru has added to the new model, and enjoy lower maintenance and repair costs. No matter which route you choose, our Subaru financing gurus will help you along the way, and get you a future payment plan that aligns with your unique budgeting specifications.

Flexible Credit Options

If you'd like to drive away in your new Subaru model or quality pre-owned vehicle even sooner, consider filling out the Subaru finance application before you visit our dealership. By preemptively completing the Subaru finance application, you'll give our staff a chance to line up your options and present them to you when you arrive.

Plus, you'll get to fill out our Subaru finance form whenever and wherever works best for your busy schedule. We also have other tools for you to use right online. These include our Value Your Trade tool. If you are looking to sell the car you own before buying a new Subaru, use this tool to see what you might be able to earn for it by trading it in at our dealership.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
  1. Subaru of Utica

    5036 Commercial Drive
    Yorkville, NY 13495

    • Sales: 315-223-8101
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Get in Touch

  • Contact our Sales Department at: 315-223-8101
  • Monday9:00 AM - 7:00 PM
  • Tuesday9:00 AM - 6:00 PM
  • Wednesday9:00 AM - 7:00 PM
  • Thursday9:00 AM - 7:00 PM
  • Friday9:00 AM - 6:00 PM
  • Saturday9:00 AM - 5:00 PM
  • SundayClosed

Various Subaru Finance Programs

We also offer a variety of Subaru finance programs you can take advantage of to help make it even easier for you to get behind the wheel of the new Subaru you want. Some of those include:

  • Carbone Upgrade Program: This program is perfect if you are looking to upgrade to a safer, more reliable vehicle that also fits your budget. We will give you great value for your vehicle, and help you get behind the wheel of the Subaru you want with low monthly payments.
  • Subaru Trade Up Advantage® Program: While you may be loving the Subaru you currently drive, you may be eager to also get inside the latest model year with all the newest technology. With this program, we make it easy for you to transition from your current Subaru to a new Subaru!
  • College Graduate Program: After graduating college, start your next chapter of life inside the comfort of a new Subaru! This program will help you enjoy the new car you want within a comfortable budget that fits your lifestyle.

Plus, we have various incentives and specials on a variety of new and used Subaru models that we have for sale. Just check them out now online and see if there is a great deal waiting for you on the exact Subaru you want!


Build Your Deal Online

You can also shop entirely online for your new Subaru if you'd like. That way, you can shop at your own convenience and on your own time. Just grab your laptop, or head to our site on your phone, and start to browse through our inventory.

We make it easy to filter down your search, so you can quickly find the exact model, trim level, and color you want. When you have picked out the Subaru you'd like to drive, start to build your deal-right then and there.

You will be able to choose between financing or leasing your Subaru, and you can even choose the exact terms of the deal you prefer, so you end up with payments that are feasible for you. Subaru financing is a near-tailored process! Once your deal is to your liking, go ahead and finalize your purchase-and you'll be ready to come pick up your new Subaru!


Keeping Your Investment Protected

Along with helping you decide if you'd like to buy or lease your new Subaru, our Subaru finance team can help set you up with one of our Added Security® plans that offers extended coverage for your Subaru. With one of these plans, you can enjoy even more peace of mind knowing you are protected in case the unexpected happens.

Our Gold Plus Plan will cover any potential issues your car may experience with the air conditioner, electrical system, steering, and more. With the Classic Plan, you can receive towing and rental car reimbursements, as well as coverage of major parts like the engine and transmission.

Plus, any time there needs to be a repair done to your Subaru, these plans make sure new parts being put into your vehicle are genuine Subaru parts, and are installed by our factory-trained Subaru technicians.


Learn More About Our Competitive Subaru Finance and Lease Options Today

For more information about our Subaru finance center and the options available to you, reach out to our team, or stop by Carbone Subaru of Utica today. Get started now by scheduling a test drive in whichever Subaru you want to travel in around Utica, Yorkville, and Whitesboro, New York!