Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying a Used Subaru on Finance
If you’re thinking about buying a used Subaru, financing can make it easier to spread the cost and drive away in a practical, reliable car. Subaru's are well known for their all wheel drive systems, strong safety features, and long lasting build quality. Whether you’re after a rugged SUV for the family, a dependable estate for long trips, or something compact and efficient for daily use, there’s a Subaru model to suit your needs.
Subaru has built a loyal fanbase thanks to its rugged reliability, all wheel drive (AWD) systems, and outdoorsy appeal. Most Subaru's come with AWD as standard, which gives drivers excellent grip in poor weather or on rough terrain, perfect for rural living, adventurous drivers, or just anyone who wants more confidence on the road.
The brand also has a reputation for durability, with many Subaru's easily lasting over 200,000 miles with proper maintenance.
Subaru drivers often cite safety as a major benefit. Many models come equipped with the brand’s “EyeSight” driver assist tech, which includes adaptive cruise control, lane-keeping assistance, and pre collision braking. Subaru's are practical, dependable, and built with usability in mind, rather than flashy extras.
Both brands are known for reliability, but they serve slightly different needs. Toyota often leads in fuel efficiency, hybrid options, and low cost maintenance. Subaru, on the other hand, is favoured for its standard AWD, off road ability, and strong safety features. If you’re looking for a practical commuter car, Toyota might edge it.
But if you want all weather capability, family practicality, and a bit more ruggedness, Subaru is likely the better choice. Interestingly, Toyota owns a stake in Subaru, and the two companies collaborate on models like the Subaru BRZ and Toyota GR86. That shared development adds to Subaru’s appeal, combining Toyota’s engineering with Subaru’s distinctive traits.
Subaru maintenance costs can be higher than average, mainly due to the AWD system and unique engine layout (boxer engines). These features make the cars more capable, but also a bit more complex when it comes to repairs. However, parts are widely available, and routine servicing costs are usually reasonable if done by a specialist or trusted garage.
Common repairs like brakes, oil changes, and tyre replacements are fairly standard in cost. What can increase expenses are timing belt replacements, AWD system repairs, or if older models develop head gasket issues (more on that below). Buying a used Subaru with full service history is a smart move, it gives you peace of mind and helps avoid costly surprises.
One of the most talked about issues with older Subaru models is head gasket failure, particularly in vehicles with the 2.5-litre boxer engine found in models like the Impreza, Legacy, and Forester. This problem was more common in Subaru's produced in the late 1990s and early 2000s. The head gasket seals the engine block and cylinder head, and when it fails, it can cause coolant leaks, overheating, or oil mixing with coolant, potentially leading to major engine damage if left unresolved.
Thankfully, Subaru addressed this issue in newer models by redesigning the gasket and improving overall engine construction. While head gasket failure is far less common now, it remains something to be mindful of when buying a used Subaru. Always inspect the coolant levels, check for white smoke, and review the vehicle’s maintenance history for any engine related repairs.
Another issue to be aware of is the CVT (Continuously Variable Transmission) gearbox. While many Subaru models use CVTs for smooth and efficient driving, some owners have reported early wear, jerking movements, or hesitation during acceleration. This can be costly to fix, so it’s a good idea to test drive the car thoroughly and look for a well documented service record showing regular gearbox maintenance or software updates.
Suspension wear is also worth checking, particularly if the Subaru has been used for towing, off road driving, or navigating rough, rural roads. Worn suspension components can affect ride comfort and handling, so listen out for knocks or creaks when driving over uneven surfaces.
Rust on the underbody is another point to watch out for, especially in older models that have faced harsh UK winters or coastal exposure. Pay special attention to wheel arches, the subframe, and around the exhaust system. While newer Subaru's have better rust protection, getting the underside checked by a mechanic or through an independent vehicle inspection is always a good step before purchase.
Buying a used Subaru on finance means you’re committing long term, so having the car inspected thoroughly is not just smart, it could save you hundreds or even thousands in unexpected repairs later on. Choosing a vehicle with a strong service history, evidence of past repairs or upgrades, and a clean MOT record will go a long way in ensuring peace of mind.
Here are some of the most popular Subaru models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
If you’re thinking about buying a used Subaru, finance could be a simple way to get the car you want without paying all at once. With HP, you make monthly payments and own the car at the end of the finance agreement.
Before applying, it’s worth checking your credit score, comparing offers, and making sure the car has a full service history. Choose a monthly payment that fits your budget.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
A compact crossover with standard AWD, good ground clearance, and strong safety scores. It’s ideal for drivers who want SUV practicality in a smaller footprint. The XV is popular on finance because it’s economical (up to 40 mpg), easy to drive, and well equipped with EyeSight safety features. It’s a great choice for commuters or small families.
One of Subaru’s most recognisable models. The Forester is a mid-size SUV that balances comfort and off-road capability. Later models offer hybrid powertrains, good visibility, and a large boot (up to 505 litres). It’s perfect for families, dog owners, or anyone who needs a tough, reliable car for everyday and weekend use. High demand keeps it popular with used finance buyers.
Part estate, part SUV, the Outback is known for its long-distance comfort, excellent AWD system, and strong reliability. With loads of space and roof rail practicality, it’s ideal for outdoorsy lifestyles or motorway drivers who need something rugged. It’s also one of the most durable Subarus, regularly making it past 150,000 miles with ease.
While not as popular as it once was, the Impreza still attracts buyers looking for a compact car with AWD as standard. It’s more refined than older versions, with a focus on everyday usability, decent fuel economy, and modern safety kit. It’s especially good for those in rural areas who need a reliable compact vehicle.
A rear wheel drive coupe co developed with Toyota, the BRZ stands out as a fun, driver focused car in the Subaru range. It’s not for everyone, it’s lower, sportier, and lacks AWD, but it appeals to enthusiasts who want affordable thrills with Subaru reliability. It’s also a good value performance car on finance, especially for younger drivers upgrading from smaller models.
