Subaru Finance & Lease Near Des Moines

Whether you're a returning customer to our dealership or stopping by for the first time, Ramsey Subaru of Des Moines has a wide range of Subaru models for Urbandale drivers to choose from. Once you've found a Subaru vehicle you connect with and meets your needs, our finance center is ready to help you seal the deal at a great price. We offer flexible financing and leasing options for you to take advantage of. Learn more about what our finance center has to offer below.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

The Finance Center at Ramsey Subaru of Des Moines Has Much to Offer You

As you may already know, shopping for a new vehicle near Des Moines, IA can be a lot easier when you have guidance through its complexities. One of the complex pieces of the car buying process is auto financing. Many folks may not feel educated enough to make good choices about their auto loan or Subaru lease agreement. When you shop with the team from Ramsey Subaru of Des Moines, located at 9625 Hickman Road in Urbandale, IA, you can get help from our finance center.


Get Assistance from the Finance Experts at Our Dealership

You don't need to make an appointment with a loan officer at your local bank in Ankeny, IA. We have got you covered. Our finance professionals are experienced and quite knowledgeable when it comes to the world of auto financing. They can answer all of the questions you may have about the car financing process, including any that you might have about the differences between a car loan and a Subaru lease.

Uncover the Beauty of Our Subaru Financing Specials and Lease Deals

Drivers can explore the current Subaru financing specials and lease offers from the comforts of their own home in Ames, IA. The financing offers and lease specials are a great way for customers to find excellent financing solutions on some of the most popular Subaru models in the lineup. In the past, well-qualified buyers have seen APRs at zero percent and lease payments lower than $200. Our dealership can help you secure you an approval for the financing promotion that is right for you.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Should you Lease or Finance a New Subaru?


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.


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

  1. Ramsey Subaru of Des Moines

    9625 Hickman Road
    Urbandale, IA 50322

    • Sales: 515-412-4054
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Get in Touch

  • Contact our Sales Department at: 515-412-4054
  • Monday9:00AM-8:00PM
  • Tuesday9:00AM-8:00PM
  • Wednesday9:00AM-8:00PM
  • Thursday9:00AM-8:00PM
  • Friday9:00AM-6:00PM
  • Saturday9:00AM-5:30PM
  • SundayClosed