General FAQ
How can I contact Subaru Financial Services?
The Subaru Financial Services Customer Support Team is located in Canada and operates during regular business hours in all Canadian time zones. If you have any questions regarding your account, our knowledgeable customer support representatives are ready to provide assistance and happy to do so. The Customer Support Team can be reached at 905-513-5949 / 1-844-962-0672 during the following hours of operation.
| Monday |
8 AM – 8 PM (EST). |
| Tuesday |
8 AM – 8 PM (EST). |
| Wednesday |
8 AM – 8 PM (EST). |
| Thursday |
8 AM – 8 PM (EST). |
| Friday |
8 AM – 8 PM (EST). |
| Saturday |
CLOSED |
| Sunday |
CLOSED |
How do I change my banking information for the “Direct Payment Plan”?
If at any time you need to change your banking information, you may do so by providing Subaru Financial Services with a copy of your:
• New VOID cheque or pre-authorized debit form of the buyer/co-buyer or lessee/co-lessee named on the contract
• Subaru Financial Services Account Number or VIN (i.e. both appear on the copy of your Subaru Financial Services welcome letter)
All documentation must be mailed or faxed in one package to Subaru Financial Services.
Mailing address:
Subaru Financial Services
C.P. Box 4060
Markham, ON
L3R 0M8
Fax: 905-513-9776 / 1-800-665-4948
Can I make payments through online banking?
Yes, online banking payments may be made on your lease or financed vehicle. Subaru Financial Services accepts payments via ABM, telephone and web banking services from any accredited financial institution in Canada.
I’ve recently changed my surname. How do I update my Subaru Financial Services account to reflect this change?
If you need to update your surname on your Subaru Financial Services account, you may do so by providing Subaru Financial Services with a copy of your:
• Marriage certificate or name change certificate
• Subaru Financial Services Account Number or VIN (i.e. both appear on the copy of your Subaru Financial Services welcome letter)
All documentation must be mailed or faxed in one package to Subaru Financial Services.
Mailing address:
Subaru Financial Services
C.P. Box 4060
Markham, ON
L3R 0M8
Fax: 905-513-9776 / 1-800-665-4948
I’m moving to another country. Can I take my financed or leased vehicle with me?
If you’re planning on relocating outside of Canada (USA, Mexico, etc.), you must notify Subaru Financial Services prior to your departure and make arrangements to:
1. Purchase your financed vehicle
2. Negotiate an option to terminate your lease or finance contract at your Subaru Dealer
Permanent relocation of a Subaru Financial Services leased or financed vehicle outside of Canada is strictly prohibited. For more information and assistance, contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
Can I change the due date on my contract?
To request a change, you will need to contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
I’m on the Direct Payment Plan and my payment was returned NSF (non-sufficient funds) or FNC (funds not cleared). What should I do?
If you receive an NSF or FNC notification from your financial institution, a scheduled Subaru Financial Services payment for your leased or financed vehicle was unsuccessfully withdrawn from your account. After the initial failed withdrawal attempt, a second attempt will be made 2-3 business days later to secure your scheduled payment. If the second withdrawal attempt fails, you will need to immediately reconcile your outstanding payment by contacting our Customer Support Team at 905-513-5949 / 1-844-962-0672.
If you know that your account funds will not be available during an upcoming period, please make alternative payment arrangements by contacting our Customer Support Team at 905-513-5949 / 1-844-962-0672.
I recently moved to another province. What do I need from Subaru Financial Services to register my vehicle?
If you relocate outside of the province you plated your leased or financed vehicle, you will need to plate your vehicle in the Canadian province in which you now reside. To plate your vehicle in a new province, you will need a letter of authorization from Subaru Financial Services. For more information and assistance, contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
My vehicle is now paid in full. How do I obtain a letter of release for my records?
When your financed vehicle is paid in full, a letter of release will automatically be sent to your registered mailing address. If you require a release letter relating to your leased vehicle, please contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
Finance
Can I pay off my loan (finance contract) before maturity?
Yes, you can purchase your Subaru at any time prior to financial maturity. To purchase your financed vehicle,
contact your originating Subaru Dealer or contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
Can I make a lump-sum payment on my finance account?
Yes, you may choose to pay off your loan earlier and reduce your interest charges by making a lump-sum payment on your account. To make such a payment, contact our Customer Support Team at 905-513-5949 / 1-844-962-0672 or your originating Subaru Dealer.
How can I obtain the balance on my loan account?
You may obtain your account balance by contacting our Customer Support Team at 905-513-5949 / 1-844-962-0672.
Is it possible to defer my payment on my finance account?
Yes, payment deferral is an option for short-term periods, but some restrictions may apply. To learn more about deferring a payment, contact our Customer Support Team at 905-513-5949 / 1-844-962-0672.
Lease
How many kilometres does Subaru Financial Services allow on a standard lease?
Subaru Financial Services offers the flexibility to choose an annual kilometre plan that best fits your needs. See below for your options.
| Plan |
Annual Allowance |
| Standard |
24,000 km |
| Low |
20,000 km |
| Ultra-low |
16,000 km |
What if I drive more than 24,000 km/year?
If you would like a leased vehicle with a kilometre allowance over 24,000 km, you have the opportunity to purchase extra kilometres at a reduced rate when arranging your lease contract. If you do not purchase extra kilometres and go over your agreed allowance, you will be charged for the extra kilometres driven.
What if I drive less than 24,000 km/year?
If you drive less than 24,000 km/year, a Low kilometre (20,000 km/year) or an Ultra-Low kilometre (16,000 km/year) plan may be a better option for you when leasing a Subaru vehicle.
What is Guaranteed Asset Protection (GAP)?
If your leased vehicle is declared a total loss, GAP will cover the difference, after you pay your insurance deductible, between what you owe on the remainder of your lease and the amount of your insurance settlement. You are responsible for any excess wear and tear, kilometre charges, any pre-existing damage to the vehicle and any unpaid amounts owing under your lease as long as you have maintained the amount of insurance coverage required under your lease. GAP is automatically included in all Subaru Financial Services lease contracts.
What is excess wear and tear?
Excess wear and tear is what is considered to be damage outside of normal everyday use. Customers may be charged excess wear and tear fees at lease-end if they are not protected by Wear Pass or if damage is not covered under the Wear Pass program. Learn more about wear and tear by reading the Wear & Tear Guide.