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What is a Subaru Guaranteed Future Value agreement?

A loan with a Guaranteed Future Value2 agreement is like a regular loan with a balloon payment at the end of the term. The key difference is that Subaru Financial Services will guarantee the return value of the vehicle to ensure it covers the balloon repayment. This can result in greater benefits over a standard loan or paying cash for your vehicle.

As long as your vehicle has been well looked after, adheres to Fair Wear and Tear Guide and meets the agreed upon kilometre usage, you’ll know you won’t be out of pocket when trading your vehicle in to pay out the balloon payment. Contact a participating Subaru Financial Services retailer for full terms and conditions.

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Key benefits of Guaranteed Future Value

A loan with a Guaranteed Future Value2 agreement has several key benefits:

  • Flexible terms and no minimum deposit required (subject to credit criteria). Your agreement can be tailored over 3 or 4 years and include either 15,000kms or 20,000kms travelling distance annually.
  • Payments are tailored to your individual circumstances based upon your personal credit history, any deposit amount that you contribute and the GFV for the model, term and kilometre allowance combination that you nominate.
  • No resale hassles, because the minimum buy back amount of your Subaru is guaranteed. Subject to your circumstances at the end of the loan term, you could choose to either upgrade, retain or return your Subaru.
  • If you choose to keep your Subaru at the end of the agreement, you only need to pay out the balance of your loan. This is your final payment which you can pay with any funds you have available or talk to us about refinancing.
  • Ideal for both personal and business customers and available on all finance agreement types (subject to eligibility).
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So how does it work?

The choice is yours every step of the way:

  • CHOOSE THE SUBARU that you want to drive.
  • CHOOSE THE DEPOSIT that you want to pay (if at all).
  • CHOOSE THE TERM of your agreement (it can be over 3 or 4 years).
  • CHOOSE THE NUMBER OF KILOMETRES that you will drive by the end of the term. This includes any kilometres that the car has already driven.
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What happens at the end of your term?

At the end of your term, choose from three great options depending on your lifestyle and circumstances at the time. You can:

  • UPGRADE: Use your current as a trade in and upgrade to a new Subaru (provided you meet the loan approval criteria).
  • RETAIN: Pay out the loan and keep your current Subaru. We can help with finance if required.
  • RETURN: Simply return your Subaru and have nothing more to pay (provided your car meets the Fair Wear & Tear Guide and agreed kilometre allowance).

Finance FAQs

Terms and Conditions

2.The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade-in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a fixed rate loan if you select the GFV option. Monthly repayments will be lower compared to a similar loan term with no GFV or equivalent balloon final payment. Available on new and demonstrator Subaru vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS, or another person or entity with SFS’s agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle is damaged or you have travelled excess kilometres. Credit criteria, fees, charges and terms and conditions apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian credit licence 483211.

The information provided on this web page by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian Credit Licence 483211 is general in nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

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Sales Department

345 Scarborough Beach Road, Osborne Park WA, 6017

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