At Subaru of North Orlando, everyone deserves a reliable vehicle, regardless of their credit history. That is why we offer the Subaru low credit financing option with access to the deferment program, giving qualified Sanford buyers more flexibility and time to begin their financial journey on the right foot.

 

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What Is the Subaru Deferment Program?

The Subaru deferment program allows qualified customers to defer their first payment for up to 90 days from the contract date on retail contracts submitted through Subaru Motors Finance (SMF). This provides a convenient solution for buyers looking to ease into their car payments without immediate financial pressure. However, lease agreements do not qualify, and special restrictions apply in Pennsylvania.

Who Qualifies?

While this program is primarily designed for Deltona buyers with stronger credit histories, it also accommodates Subaru low-credit customers under certain conditions. Here's what you need to know:

  • Applicants must have a FICO score of 700 or higher.
  • Joint applications will consider the higher FICO score.
  • You must have a minimum 5-year credit history with at least five satisfactory trade lines.
  • The credit report must show no repossessions, bankruptcies, or foreclosures.
  • Business applicants require a co-borrower.
  • The financing amount cannot exceed 75% of the applicant's gross annual income.

Eligible Vehicles & Terms

  • New and used Subaru vehicles are eligible.
  • Used Subaru models must be 4 years old or newer.
  • The program applies to standard retail and Low Rate Program contracts.
  • The maximum financing amount is $65,000, including tax, title, and license.
  • The maximum loan term is 63 months.

Program Highlights

  • The Subaru deferment program gives you more time to budget.
  • Subaru low-credit options offer access to reliable transportation.
  • Competitive APR rates are available, depending on credit approval.
  • Monthly payments are calculated based on the actual days to the first payment.
  • Certain GAP products may not apply-check with your finance advisor for details.

Get Started Today at Subaru of North Orlando

Our Orlando finance team works with all credit types and will help you find the right payment plan. Whether you are just getting started or rebuilding your credit, our Subaru low-credit financing options and expert advisors will support you every step. Contact us, or stop by our finance center near Lake Mary and Altamonte Springs.Â