Special Finance Options at Subaru of Ann Arbor in Ann Arbor, MI

Can I get financing with less-than-perfect credit? Yes, you absolutely can. At Subaru of Ann Arbor, we believe your credit past shouldn’t hold you back from the vehicle you need today. Whether you're working on building credit, recovering from past financial challenges, or just starting out, our Special Finance team is here to help you find real solutions that make sense for your life.

We work closely with a large network of lenders – including credit unions and second-chance finance partners – to help secure flexible auto loans tailored to your situation.

Why Choose Subaru of Ann Arbor for Special Financing?

We’ve made it our mission to help every shopper feel confident and respected, no matter their credit score. Our experienced team treats you like a person, not a number, and we’re committed to helping you find a payment plan that works.

What you can expect:

• Pre-approval in just a few minutes online or in store.
• Competitive loan terms through subprime and alternative lenders.
• Transparent communication from start to finish.
• Personalized support from a dedicated finance expert.
• Access to budget-friendly new and pre-owned vehicles.

What is “Special Finance,” and Who Qualifies?

Special finance refers to auto loans designed for buyers with credit challenges or unique financial circumstances. If any of the following apply to you, you're likely a strong candidate:

• Credit Score Below 600
• No Established Credit History
• Bankruptcy, Foreclosure, or Repossession
• Past Late or Missed Payments
• High Debt-to-Income Ratio

Our team works with lenders who review the full picture, not just your credit report. Employment history, current income, living situation, and more all factor into your approval odds.

What Vehicles are Available for Special Finance?

You’ll have access to a wide range of options across multiple price points, including:

• Certified Pre-Owned Subaru Models
• Pre-Owned Vehicles Under $20,000
• Trade-Ins from Top Brands

Many shoppers in special finance programs choose popular models like the Subaru Forester, Outback, Crosstrek, and Legacy for their value, all-weather performance, and long-term dependability.

What Do I Need to Apply?

To get started with a special finance application, bring or upload:

• A Valid Driver’s License
• Recent Pay Stubs or Proof of Income
• Proof of Residency (utility bill, lease, or mortgage)
• A Down Payment (amount varies based on your lender and loan terms)
• Personal or Professional References (optional, but helpful in some cases)

The more accurate your info, the easier it is for us to match you with a lender who says yes.

Can I Apply for Special Financing Online?

Yes. Our online credit application is secure, easy to complete, and only takes a few minutes. Once you submit, our finance experts will begin reviewing your information and contacting lenders on your behalf. Prefer to apply in person? We welcome walk-ins and scheduled appointments at our Ann Arbor showroom.

Start your application anytime, from anywhere.

What if I’ve Been Denied Elsewhere?

Don’t give up. Lender criteria can vary, and a denial at one dealership doesn’t mean you’re out of options. Many customers come to Subaru of Ann Arbor after getting turned down, and leave with the keys to a vehicle they love. We know which lenders are more flexible, and we know how to present your application to get the best shot at approval.

Give us a chance to work for you.

Have Questions? Let’s Talk.

Financing a vehicle can feel overwhelming – especially when your credit history adds extra hurdles. That’s why we’re here. We’ll explain your options clearly, answer every question honestly, and support you from your first click to your final signature.

Contact Subaru of Ann Arbor today. Let’s get you moving forward, no matter where you’re starting from.

*Disclaimer: This content was drafted with AI assistance for initial drafting, reviewed by a subject-matter expert for accuracy, and edited by our team of writers and editors.