Subaru Payments: What You Need to Know

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Subaru Financial Services allows customers to make car payments online, by phone, by mail, or in person at their local financial institution. 
If you’ve leased or financed a car from Subaru and need to make a payment but aren’t sure how, we have you covered! We’re giving you a breakdown of everything you need to know about making your Subaru car payments. 
If you’re considering a Subaru
car loan
or lease, we’ll also review the average monthly payments you can expect for the 2023 Subaru lineup. 

How to pay your Subaru car bill

If you need to make Subaru payments, there are several options to choose from: online, by phone, by mail, or even in person through your financial institution. 


You can set up automatic monthly payments or make a one-time payment by logging into your financial institution's website and clicking “make a bill payment.”
  1. Select Subaru Financial Services as the payee.
  2. Enter your 10-digit Subaru Financial Services account number and complete the desired payment amount.
  3. Confirm the payment. 
Subaru Financial Services will receive the payment within two to three business days.
If you’re making an online payment through Subaru Financial Services, follow these steps:
  1. Go to “Sign In” on Subaru Motors Finance.
  2. Use credentials to log in to your account.
  3. Click on “Make a payment.”
  4. Go to “Pay and transfer.”
  5. Choose “Pay bills” to make your online auto payment.

By phone

Another simple way to make a Subaru payment is to call Subaru’s automated service phone number at 1-800-336-6675. Once you arrive at the main menu, press option one, then option four for All Other Inquiries, then option five for Automated Bill Pay. Make sure you have your loan account number or Social Security Number ready to enter
Follow the instructions to complete your payment. 

By mail

If you have a checkbook, you can also mail your payments directly to Subaru—they accept personal checks or money orders paid to Subaru Financial Services.
Make sure to include your name, address, and your Subaru Financial Services account number on the check’s memo line.
Payment type
Mailing address
Loan (regular)
Subaru Motors Finance
PO Box 78232
Phoenix, AZ
Lease (regular)
Subaru Motors Finance
PO Box 78058
Phoenix, AZ
Subaru Motors Finance
3137 East Elwood St.
Suite 130
Phoenix, AZ
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Checks should be made payable to Subaru Motors Finance. Remember, you need to write your account number on the check. Subaru does not accept cash payments.

In-person at a Chase branch

Subaru payments can also be made in person at your local financial institution branch or at a Chase branch. Visit
to find the nearest Chase branch. If you need more information, you can also call Subaru Customer Service by phone at 1-800-662-3325.

Can I make my Subaru payments with a credit card?

Subaru doesn’t provide information on whether you can make car payments using a credit card. Contact Subaru Financial Services for more information if you want to use your credit card. 

Is there a grace period for Subaru car payments?

Subaru doesn’t disclose whether they have a grace period for
late loan payments
, but they suggest that missed payments are subject to a late fee and higher interest costs

How much are Subaru payments?

If you’re considering buying a Subaru, it’s good to know how much you can expect to pay monthly. Starting MSRPs for 2023 Subaru vehicles range from $19,745 for the Subaru Impreza to $51,995 for the all-new Subaru Solterra. 
If you’re curious about your payment costs, refer to the table below for pricing information and
average loan payments
for Subaru’s 2023 lineup. The averages shown below are based on the base trim for that model with a 10% down payment, a 72-month loan term, and an estimated interest rate of 4.9% (the average for new car buyers with credit scores between 661 and 780). Depending on your profile, your payments might look slightly different.
MSRP range
Average monthly payment
$23,645 – $26,845 
$26,395 – $36,495
$28,395 – $42,295
$33,895 – $48,195
2023 Subaru Solterra
$44,995 – $51,995
$19,795 – $27,395
$24,395 – $37,695
$28,595 – $31,095
$29,605 – $42,395
The exact amount of your car payment will vary based on several factors, such as your vehicle's selling price, your down payment, your credit score, your loan term, and the interest rate. 
For example, a
72-month car loan term
will have lower payments than an 84-month loan, and used vehicles generally have higher
than loans for a new car. These are all factors to consider when budgeting to purchase a new vehicle.
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Applicants with a credit score of at least 650 may be eligible for an auto loan or lease from Subaru Motors Finance.
The interest rate for an auto loan will vary based on your current credit score and any incentives Subaru is currently running, but Subaru may have interest rates as low as 0% on some new vehicles.
The best Subaru depends on what you’re looking for! If you’re not keen on taking the entire lineup for a test drive, narrow your choices to an SUV or a sedan/hatchback. They offer everything, from the sleek and sporty Solterra to the eight-passenger Ascent to the family-friendly legacy to the ultra-capable Subaru Crosstrek.
Reviewed by Hillary Kobayashi.
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