Car Loans & Subaru Lease Center at Johnson Subaru of Cary - Near Raleigh Apex & Morrisville

The Johnson Subaru Finance Center can help you obtain that car loan in Cary and get you into the new Subaru or used car you've been looking at. Subaru offers excellent finance rates and lease payments, and to view this month's offerings, view our Subaru lease and finance specials page.

We want to help you make an informed decision about how to finance your vehicle, so Johnson Subaru of Cary offers a brief overview of the finance process. That way you'll know what to expect when you visit us and select the vehicle of your dreams.

  1. Help you Decide Between Different Options:

    We'll have a discussion with you to help determine which finance option is best. Most of us won't pay cash for a car, so we can provide you with a list of benefits between a loan and a lease. You're welcome to finance one of our vehicles with a bank or credit union but we believe there is a big benefit to financing with the dealership. We can offer you various lease and loan incentives and make sure to include manufacturer rebates. Subaru offers new incentives every month - whether you lease or loan a vehicle.

    Usually a lease makes more sense if you want to trade in a vehicle every few years and don't travel long distances on a daily basis. A car loan is great for those who want to build equity in a vehicle, keep it for a longer period of time and don't want to worry about the amount of miles they are driving.

  2. Determining Your Rate:

    There are many factors that affect the rate we can offer you at Johnson Subaru of Cary. Credit rating is one of them, of course. With just a few pieces of identification (usually driver's license and social security number), we can run a quick credit check for you which will allow us to get an idea of the type of financing we are able to give you. All information is completely secure and we have worked with customers that have all types of credit backgrounds.

    Length of the term can have an effect on the rate as well. Usually the newer the car, the lower your rate will be. If you have a good credit score, you may even be eligible for 0% financing if Subaru is offering it. Zero percent financing is an incentive coupled with a shorter term loan.

  3. Discussion of Warranties and Other Add-Ons:

    Most of our vehicles offer great warranties, but during the finance process we are able to extend those plans. Extended warranties aren't for everyone, and the finance professionals at Johnson Subaru of Cary understand that. If an extended warranty plan is not going to be beneficial to you, we wouldn't want you to purchase it. We can have an open discussion of how you would be using the vehicle and the length of time you expect to drive it. Then, we can determine if the extended warranty is right for you.

  4. Review of Contract and Signatures:

    Once we come to a decision on all of these items, this is the exciting part. We'll give you the option to review the contract after we draw it up, and go over it piece by piece. It's important for both parties to read through this contract because we want to be honest and up front about the finance plan we are offering you. If everything looks good, all you need to do is provide us with a few signatures and you're off on the road with your new vehicle!

The financing process is often an intimidating one for many drivers and everyone here at Johnson Subaru of Cary is working hard to change that. Not only do we have an amazing team of knowledgeable experts to answer all of your questions, but we also have an array of easy to use financing tools. Our customers can get a jumpstart on the financing process right from home on their own time. You can easily determine how much your current vehicle is worth for trade value, get pre-approved for credit, and even apply for credit. We have also highlighted the pros of leasing and buying so our customers can decide what financing route is best for them. By starting the financing process from home, you will send your information directly to our team, who can then get to work crunching numbers and finding you the best rate possible. Our financing tools will also help you save time at the dealership and get you into your new Subaru and out on the road even sooner.

We are conveniently located a short drive from Apex, Morrisville and Raleigh at 5010 Old Raleigh Road in Cary. You're welcome to browse our complete online inventory of new Subaru and used Subaru cars. If you have questions about the financing process you can use our contact form or call us. If you're ready to apply, proceed to our Get Pre-approved in Seconds.


Johnson Subaru of Cary

109 Mackenan Dr
Directions Cary, NC 27511

  • Sales: (919) 447-4400
  • Service: (919) 447-4435
  • Parts: (919) 447-3517


  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 8:00pm
  • Wednesday 9:00am - 8:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 8:00pm
  • Saturday 9:00am - 7:00pm
  • Sunday 12:00pm - 5:00pm
See All Department Hours

Dealership Hours

  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 8:00pm
  • Wednesday 9:00am - 8:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 8:00pm
  • Saturday 9:00am - 7:00pm
  • Sunday 12:00pm - 5:00pm

Parts Dept. Hours

  • Monday 07:00am - 07:00pm
  • Tuesday 07:00am - 07:00pm
  • Wednesday 07:00am - 07:00pm
  • Thursday 07:00am - 07:00pm
  • Friday 07:00am - 06:00pm
  • Saturday 08:00am - 04:00pm
  • Sunday Closed

Service Dept. Hours

  • Monday 7:00am - 6:00pm
  • Tuesday 7:00am - 6:00pm
  • Wednesday 7:00am - 6:00pm
  • Thursday 7:00am - 6:00pm
  • Friday 7:00am - 6:00pm
  • Saturday 7:00am - 3:00pm
  • Sunday Closed