No two drivers are the same—and no two paths to your next Subaru have to be either.
Leasing gives you the flexibility to drive something new more often. Financing offers the long-term payoff of full ownership. At Brandon Tomes Subaru in McKinney, we'll help you compare both options—honestly, clearly, and with your lifestyle in mind.
Leasing lets you enjoy a new Subaru every few years—with lower monthly payments, shorter terms, and minimal repair costs. It’s ideal if you value convenience, stay under 15,000 miles/year, or just love always having the latest safety and tech.
Financing means you’re working toward full ownership—with no mileage limits, full customization freedom, and long-term cost savings once the loan ends. It’s a smart move if you plan to drive your Subaru for years to come.
Leasing typically offers lower monthly payments compared to financing the same Subaru. It’s a smart option if you want to free up cash each month for travel, savings, or your next weekend adventure.
Financing builds ownership, letting you keep the car long after the loan is paid off. With leasing, you’re essentially paying to use the vehicle for a set time with no long-term commitment.
Leases come with annual mileage limits, often between 10,000 and 15,000 miles. If you drive more—especially across Frisco or Dallas—financing gives you total freedom.
Want to add a roof rack, custom wheels, or performance upgrades? Only financed vehicles allow full customization. Leased Subarus must be returned in original condition.
Leased vehicles typically remain under full factory warranty, so unexpected repairs are rare and often covered. Financed vehicles may outlast their warranty, requiring maintenance and repair budgeting.
At the end of a lease, you can return the vehicle, lease a new one, or buy it out. When you finance, the vehicle is yours to keep, sell, or trade when it suits you.
At Brandon Tomes Subaru, we tailor financing and leasing options to your lifestyle—not just your credit score. Whether you’re a weekend adventurer, daily commuter, or first-time buyer in McKinney or Plano, we’ll guide you with transparent terms, expert support, and no pressure. Just smart choices that work for you.
Trying to choose between leasing and financing your next Subaru? You’re not alone. Below are some of the most common questions we hear from drivers across McKinney, Frisco, Allen, and beyond—answered simply and clearly.
Leasing typically comes with lower monthly payments and less money due upfront. Financing costs more each month but builds equity over time. The best option depends on how long you plan to keep your Subaru and how you drive around McKinney.
Most leases offer 10,000 to 15,000 miles per year, with flexible options available. If you’re regularly driving to Dallas or Carrollton, we can tailor your lease mileage to avoid penalties. Just let us know your routine.
Yes—most Subaru leases include a buyout option at the end of your term. If you’ve fallen in love with your ride, you can purchase it at a pre-set price. Many drivers in McKinney choose this route for long-term value.
It’s possible. While leasing usually requires stronger credit, Brandon Tomes Subaru works with drivers from all credit backgrounds. We’ll explore flexible lease or finance plans tailored to your budget and credit situation.
You’ll be charged a per-mile fee—usually between $0.15 and $0.25 per mile. If you’re unsure how much you drive in a year around Plano or Allen, we’ll help you choose the right plan upfront to avoid surprises later.
Not really. Leased Subarus must be returned in original condition. If customization matters—whether for off-roading or utility upgrades—financing gives you full freedom to make your Subaru your own.
Absolutely. We regularly offer lease specials on popular Subaru models right here in McKinney. Drivers from Frisco, Carrollton, and beyond visit us for great value, straightforward terms, and a relaxed experience.
Leasing gives you flexibility and freedom. Financing gives you long-term value and ownership. The best part? You don’t have to figure it out alone.
Come talk to our Subaru finance team in McKinney—we’ll help you compare your options side by side and choose what fits your life, not just your payment.
Visit us at Brandon Tomes Subaru, 4660 State Highway 121, McKinney, TX 7507. Or call 844-350-0555 to speak with a financing expert today.
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