Subaru Leases & Car Loans in Riverhead, NY

Riverhead Bay Subaru takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Riverhead Bay Subaru Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Riverhead Bay Subaru can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

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.

Riverhead Bay Subaru Online Financing Center

You have done your homework, gone for a test drive, and finally decided on the new Subaru that is just right for you near Brentwood, NY. Now comes possibly everyone's least favorite part of shopping for a new car - financing. We fully understand why many of our customers get nervous when it comes time to applying for credit and deciding whether to lease or buy their Subaru. Thankfully, the Riverhead Bay Subaru team is here to help every step of the way to ensure you save as much as possible.

Lease or Buy: Which Financing Option Is Best For You?

No two drivers around Long Island are the same, and neither are their financial needs. Which is why some drivers may be better suited to leasing their next Subaru over buying. We have listed the benefits to each financing option to help our customers easily decide which route is best for them. Our team of financing experts are also available to talk about your unique situation and advise you on which financing option may be best for you.

Pros of Leasing A New Subaru:

The most popular financing option for many Smithtown, NY drivers is leasing. When you lease a new Subaru you agree to borrow the Impreza or Forester from us, the dealership, for a set amount of time for a set amount each month. The main benefit of leasing that makes it such a popular option for so many drivers is you can get into a more expensive model for less money. You will also have lower maintenance costs as the Subaru will be covered under warranty during the time you're driving it. Leasing also allows drivers to easily get into a new Subaru every 2-3 years.

Pros of Buying A New Subaru:

Buying, or financing, a new Subaru is the other financing option that some Long Island drivers may be more suited to. Do you drive a lot and can't be limited to several thousand miles a year? Do you like the idea of not having a car payment down the road? Are you ready for 200,000-miles of adventure? Do you dream about customizing your next vehicle? If you said yes to any of those questions buying a new Legacy or Ascent is the financing option for you. When you buy or financing your new Subaru you are purchasing the vehicle outright and it will be yours for as long as you want, and you can sell it at any time. The remaining value of your Subaru can go towards your next vehicle to help you save money. And the best part of buying a new Subaru is that when you have finished paying it off, you will no longer have any monthly payments.

Benefits To Online Financing At Riverhead Bay Subaru:

Not only do we have a team of financing experts here at Riverhead Bay Subaru to work closely with Sayville drivers to get approved for credit, but we also have several easy-to-use online financing tools. Now you can easily get a jump on the paperwork from the comfort of home when you are ready. You can even start the financing process before you even decide which new Outback or Crosstrek you want to drive home in to help you get a better idea of what your budget is. When you take advantage of our online financing tools from home you will save time at the dealership by directly sending your information to our financing team. You will also be less stressed as you can take as long as you need to fill out the online credit application and come back to it at a later time. Then when you come down to Riverhead Bay Subaru, you will be two steps ahead of the game and closer to driving off in your new Subaru.

Your privacy is important to us.

Riverhead Bay Subaru takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

Not comfortable placing your personal information through our secured site? That's ok. Give us a call and ask for the a finance specialist today!
  1. Riverhead Bay Subaru

    1521 Old Country Rd
    Riverhead, NY 11901

    • Sales: 631-727-4000
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Get in Touch

  • Contact our Sales Department at: 631-727-4000
  • Monday9:00am - 7:00pm
  • Tuesday9:00am - 7:00pm
  • Wednesday9:00am - 7:00pm
  • Thursday9:00am - 7:00pm
  • Friday9:00am - 6:00pm
  • Saturday9:00am - 6:00pm
  • SundayClosed