Buying vs. Leasing at Suburban Subaru

View All New Inventory
Why Choose to Buy
Why Choose to Lease
Leasing vs. Financing a Subaru in Vernon, CT

When you're shopping for a new Subaru, choosing the model might be easy-but deciding whether to lease or finance can take a little more thought. At Suburban Subaru in Vernon, CT, we're here to help you understand the differences between leasing and buying so you can make the best decision for your lifestyle, driving habits, and budget. Whether you're looking for lower monthly payments, long-term ownership, or the latest tech every few years, our Finance Center team is ready to guide you every step of the way.

Benefits of Buying

Financing a Subaru means you're working toward full ownership-and that comes with several important benefits and considerations:

  • Build Equity: Each monthly payment reduces your loan balance, and once the loan is paid off, the vehicle is yours outright. Subaru vehicles are known for their durability, making them a lasting investment. 
  • Unlimited Mileage: Unlike leases, financing places no limits on how far you can drive, giving you complete freedom on the road. 
  • Customization Freedom: As the owner, you can personalize your Subaru with aftermarket modifications without worrying about lease restrictions. 
  • Wear and Tear: Normal wear and tear won't impact your loan, though it may affect resale or trade-in value down the line. 
  • Upfront Costs: Financing typically requires a larger down payment and higher upfront costs compared to leasing. 
  • Monthly Payments: While monthly payments are generally higher than lease payments, you're investing in full ownership of your vehicle.

At the end of your loan term, you own your Subaru and can choose to keep it, sell it, or trade it in-complete freedom in your hands.

Benefits of Leasing

Leasing a new Subaru is a great option if you enjoy driving the latest models, don't typically rack up a lot of miles, and want to keep your monthly payments low. Here are some key benefits and considerations:

  • Lower Monthly Payments: Lease payments are generally lower than finance payments since you're paying for depreciation during the lease term.
  • Warranty Coverage: New leased vehicles are covered by manufacturer warranties throughout the lease.
  • Always Drive New: Shorter terms mean you can regularly upgrade to the newest Subaru models with the latest features.
  • Limited Upfront Costs: Leases can start with little or no down payment-check out our specials for extra savings!
Additional Leasing Considerations:
  • Mileage limits apply (usually 10,000-15,000 miles/year) with fees for extra miles.
  • You're responsible for normal wear and tear; excessive damage can incur charges.
  • Customizations are generally not allowed.
  • At lease-end, you return the vehicle but may have the option to buy or lease a new one.
Leasing offers flexibility and convenience for those who want a new Subaru every few years without long-term ownership.

We Are Here To Help!

At Suburban Subaru, we know every customer is unique. That's why we take the time to explore your options and create a plan tailored specifically to your needs. We invite you to visit our Finance Center to discover how we can help make your Subaru dreams a reality. Have questions? Give us a call, reach out online, or stop by in person-we're here for you. See you soon!