Close Subaru College Grad Program | Special Financing at Gerald Subaru Naperville
Subaru College Grad Program
Your degree earned you more than a future — it just earned you a Subaru.
At Gerald Subaru of Naperville, we’re helping recent college grads move forward with exclusive access to low-rate financing or leasing on new and certified Subaru vehicles — even if you’re just starting your credit journey.
Program Highlights
- Eligible on new, used (up to 3 model years), and Certified Pre-Owned Subaru vehicles
- Finance up to $35,000 or 125% LTV on retail purchases
- Lease terms up to 48 months on new Subarus
- Retail terms up to 72 months with max 15% payment-to-income ratio
- Tier 2 pricing — even with limited credit history
Who Qualifies?
- Graduated in the past 36 months or graduating within 6 months
- Degree must be from an accredited U.S. college or university
- No derogatory credit history (no bankruptcies, repos, or foreclosures)
- Proof of current employment or job starting within 90 days
- All joint applicants must meet the same eligibility criteria
Apply now and take the first step toward Subaru ownership.
Email Our Finance Team or call 630-355-3900
The Subaru College Graduate Program is available to individuals who have graduated within the past 36 months or will graduate within the next 6 months with a qualifying degree (Associate, Bachelor's, Master’s, Doctorate, or Nursing) from an accredited U.S. institution. Applicants must provide appropriate documentation: either a copy of their diploma, final transcript, or a registrar letter confirming expected graduation.
Applicants must have no derogatory credit and must show proof of employment or an offer letter for a job beginning within 90 days of graduation, with income sufficient to support monthly payments. Joint applications require both parties to meet eligibility requirements.
Maximum financed amount is $35,000 or 125% LTV. Maximum retail term is 72 months. Lease options are limited to new Subaru vehicles with terms up to 48 months and up to 100% MSRP. Payment-to-income (PTI) ratio must not exceed 15%.
Program may not be combined with other SMF promotional programs, including but not limited to the 90-Day Payment Deferment, Hail Damage, or Reacquired Vehicle Programs. All financing is subject to credit approval through Subaru Motors Finance (SMF), a program of JPMorgan Chase Bank, N.A. Terms and program availability subject to change without notice. Contact Gerald Subaru of Naperville for complete eligibility and application details.