​​​​​​​

If you’re gearing up for your very first Subaru financing package, congratulations! Buying your first vehicle is exciting, and we’ll be here to help every step of the way. Here’s what you should know from the friendly experts at Subaru of Decatur.

Identifying Your Budget

The first step in the Subaru financing process is figuring out how much you can spend. Start by submitting our online Subaru credit application, which both helps identify your budget and expedites the paperwork once you’re pre-approved. If possible, follow the 20/4/10 rule: put 20 percent down, sign a loan that lasts no longer than four years, and make sure your total car costs (loan payments, fuel, insurance, maintenance, etc.) don’t exceed 10 percent of your income. 

Planning for Upfront Costs

When you buy a car, in addition to your down payment, you’ll also be responsible for upfront costs like sales tax and title fees. Be sure to plan accordingly beforehand. Let our Subaru financing pros know if you have cash constraints so we can create an offer that works for you. 

Paying the Loan Down Each Month

Auto loans vary in length from a couple of years to seven or eight. The longer the loan life, the more you’ll ultimately pay in interest. Budget appropriately so you don’t miss a single payment, as that can hurt your credit rating. If at any time you need to lower your payments, come back and talk with our Subaru financing specialists about refinancing your loan.

Get a Custom Subaru Financing Offer in Decatur, GA

Our Subaru financing professionals will help you get a great deal regardless of your credit score and history. We’ll help you navigate the automotive financing process with confidence. Visit our Decatur, GA, Subaru dealership today!