We offer our customers in Rio Rancho financing options to help them get the Subaru of their dreams. If you're in Albuquerque, stop by Garcia Subaru North, and we'll help you get started.

How Financing Work

A vehicle loan is a lump sum you borrow from the lender to pay back over a time period. This payment includes interest, fees, dealer insurance requirements, down payments, and anything you choose to add. The time periods are usually in 12-month increments ranging from 12 to 84 months, with 36 months being the most common.

Several factors influence the amount you are allowed to borrow, including vehicle value and credit score. For example, if you plan to buy from our used inventory, the loan amount is commonly much lower than for new. At the end of the loan term, you own the vehicle, and the title transfers to you.

Benefits of Online Vehicle Loans From Garcia Subaru North

If you can't make it to the dealership right away, we offer online applications for your convenience. Our online application can be submitted any time of the day or night, and it helps save fuel. Browsing for your favorite model online also lets you in on our latest monthly special offers.

You may also pre-qualify to find out how much you can borrow without hurting your credit score. Our online finance tools allow you to compare loan rates and various new Subaru models, so you get the best fit for you. You don't waste time and resources reapplying for a different loan amount each time, offering you more control.

All you need to have is your data and banking information ready, and we'll do the rest. Instead of waiting days to get approval, you commonly get approved within minutes of applying. If you have questions about the process, you can email us, call us, or chat with an online assistant.