Subaru Finance & Lease Near Des Moines

Should you Lease or Finance a New Subaru?

Leasing

Ankeny drivers: are you looking for a new Subaru model? Leasing is a great option for those interested in a short-term agreement while taking advantage of the cutting-edge tech and performance features offered with the current model year Subarus.

A lease is not a path to car ownership. A lease is essentially a long-term rental. Lease agreements typically last 36 months, enabling you to reap the benefits of a car for a few years. This is ideal if you're living in an area temporarily for work or other reasons and you need a car to get around. Also leasing also allows you to pay a lower monthly rate for your vehicle. If you're on a budget and need a vehicle, this is a great way to go. When you lease a Subaru at Ramsey Subaru of Des Moines, drivers can experience all the premium features included in the most recent Subaru models. Whether you're seeking ample power or tech amenities like a wireless charging pad, you can have it all at a great price when you lease a new Subaru.

Before you sign on the dotted line, you will determine an annual mileage limit for your lease. Consider your use case: are you going to be constantly on the move, or will you be using your Subaru model only occasionally? Then, make a down payment to offset your monthly rate. Then you can head home in your brand-new Subaru model and enjoy the performance and power for the next few years.

Once your lease is finished, an inspection will look for excessive wear and tear and mileage. If there are issues, you may be charged fees. If everything is in order, simply return your lease. Choose a new model to lease or consider financing your next ride.

Financing

Ames drivers: are you interested in owning a Subaru vehicle? Financing is the way to go. Whether it's a new, used or Certified Pre-Owned model, you can make your way to car ownership through financing. Financing allows you to take your time paying off your Subaru model. No matter your credit score, our finance team aims to get you the best rate possible by working with only the most reputable financial institutions.

The process is simple: make a down payment on your Subaru vehicle. This will offset the monthly rate of your Subaru vehicle. Finance agreements are typically longer than lease agreements, depending on your situation. Finance agreements can be as short as two or three years, and as long as six or seven. Be wary: taking on debt for long periods of time is not advised, so choose a duration that makes sense for your financial situation. Our team will help you make the right choice if you still have questions.

Financing is a great path to owning your own Subaru model. Once your finance agreement is over, your Subaru is yours. Typically, you will get close to another decade of use out of your vehicle. Then, you can sell your vehicle and make some money to put towards your next Subaru model.

Vehicle Protection Packages Available

Vehicle Service Contracts:
Provides mechanical component coverage for your new or pre-owned vehicle beyond the original factory warranty.  Available in a wide variety of time and mileage options to fit your specific needs.  A great way to protect your investment.

Pre-Paid Maintenance:
Covers your regularly scheduled maintenance specific to the time/mileage requirements set by the manufacturer of your vehicle. 

GAP Protection:
Pays the difference between the insurance proceeds and the payoff amount of your vehicle in the event of a total loss.  Will even cover your insurance deductible.

Environmental Protection:
Paint, Interior, Rust and Undercoat protection from a wide variety of environmental elements that can cause damage to your vehicle over time.

Tire & Wheel Protection:
Pays to repair or replace damaged tires and/or wheels due to road hazards.

Ultimate Titanium Protection:
Tire & Wheel w/Cosmetic & Curb (Chrome Available)|
Paintless Dent Repair
Windshield Repair
Key Fob Replacement
Roadside Assistance   

Credit Life Coverage:
Pays off the loan balance and provides a free and clear title to your beneficiary due to the death of the vehicle owner.

Accident & Health Coverage:
Protects your credit by making the monthly payments on your vehicle in the event you become sick or injured and are unable to work