Welcome to Our Financing Department

Welcome to Open Road Subaru's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

Subaru Motors Finance

JPMorgan Chase Bank, N.A. ("Chase") is the provider of auto financing and leasing to Subaru customers through the Subaru Motors Finance (SMF) program. No matter if you choose to finance a new or pre-owned Subaru, or lease a new one, Open Road Subaru offers you several distinct advantages with the SMF program:[1]
  • Competitive finance or lease options.
  • One-stop shopping through your local Subaru retailer.
  • Flexible payment options.
  • Paperless statements that are convenient, secure and eco-friendly.
  • Experienced, professional customer service representatives.
  • Access to account information when you want, where you want.
Finance vs. Lease
There's a lot to consider when shopping for a new car. Our buying guide offers you tips to help guide you through the car shopping experience. One of the first decisions you will likely need to make is to consider whether to finance or lease your new Subaru. Here are the benefits of both options:

  • Pay to own your new car, not just to use it for a few years. After your final payment is made, you can drive your Subaru for years to come. It's all yours.
  • Drive an unlimited number of miles- especially important if you typically drive more than 12,000 to 15,000 miles per year.
  • Modify or repaint the car, or install custom equipment, as you see fit.
  • Enjoy the full benefit of your car's trade-in or resale value.
  • Potentially pay less per month. Monthly lease payments are usually lower than monthly loan payments for the same term, because your monthly payment includes the vehicle's use and expected depreciation only during the lease term.
  • Enjoy driving a new car more frequently.
  • Have options at the end of your lease-including leasing another new Subaru or buying the one you've grown to love. If you decide to buy the car at lease-end, you will get a no-hassle preset purchase price.
  • Minimize repair costs. Many people lease for the length of time the manufacturer's warranty is in effect. That way, most repairs are typically covered.
[1]Subject to credit approval by Chase. Not all products are available in all states. Additional terms and conditions apply, such as vehicle age and mileage.

Open Road Subaru

2685 Route 22 W
Directions Union, NJ 07083

  • Sales: 908-686-6160
  • Service: 908-686-6160
  • Parts: 908-686-6160


  • Monday Showroom Open - 9:00am - 8:00pm
  • Tuesday Showroom Open - 9:00am - 8:00pm
  • Wednesday Showroom Open - 9:00am - 8:00pm
  • Thursday Closed
  • Friday Showroom Open - 9:00am - 7:00pm
  • Saturday Showroom Open - 9:00am - 6:00pm
  • Sunday Closed