There is nothing better than finding the perfect car for your life and here at Puente Hills Subaru we know that one of the biggest pain points can be financing. With a variety of car financing programs and solutions the process can be difficult and confusing to a car buyer. Every driver is different and has unique needs when it comes to financing and that's why our outstanding team here works to understand each customer's needs.

Vehicle financing comes in different forms, whether it's a lease on a new Subaru or a loan for a used car purchase. Whatever your car needs our team of experienced finance experts work with you to learn about your situation and find a solution that works for you. We can deliver great car loan deals to Los Angeles drivers because we partner with area and national leaders that help us to provide you with understandable lease and loan options. When you choose to finance through Puente Hills Subaru you have access to California car loan experts that will help you understand the details and offer you a car financing program that works for you.




  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 9:00pm
  • Saturday 9:00am - 9:00pm
  • Sunday 10:00am - 8:00pm

What Should I do? Lease or Loan?

When it comes to getting behind the wheel of a new or used car there are financing options that are available that offer different benefits. You can choose to buy a car with a loan or get the car with a lease. There is not a clear-cut answer in which financing option is better, it depends on your personal finance situation and what you want from your car. It is important, that when you're shopping for a car to know the differences, pros and cons, and values of leasing and buying.

When you choose to purchase a car, whether it's new or used, you likely look to finance the car with a loan. A loan is money that is given to you for financing your car purchase from a financing institution. Throughout your ownership of the vehicle you will pay monthly payments towards the value of the loan. After you have finished repaying the loan you own the vehicle and it is now an asset that you can do whatever you'd like with.

If you are looking for lower monthly payments and to upgrade to a newer vehicle frequently you might be more suited for a leasing agreement. When you choose to lease, you sign into an agreement with a dealership to pay a certain monthly amount for the vehicle. Lease agreements range in length and can offer you the ability to drive a vehicle that may fallout of your price range if you purchased it new.

Buying vs. Leasing

Buying Pros

  • You can modify your vehicle as you please.
  • You can save money over the long-term ownership of the vehicle.
  • You have the flexibility to sell the vehicle whenever you'd like.
  • You can use your vehicle's trade-in value towards your next vehicle.

Buying Cons

  • You pay a higher down payment to avoid being upside down on the loan.
  • You will have higher monthly payments.
  • You'll be responsible for repair costs after the warranty expires.
  • You'll have more money invested in a car, which depreciates in value.

Leasing Pros

  • You have lower monthly payments with a minimal down payment.
  • You can drive more car for your money.
  • Decreased repair expenses because you're under factory warranty.
  • Easily transition to a new vehicle every two to three years.
  • Pay less in sales tax.

Leasing Cons

  • You don't own the vehicle at the end of the lease, although you may have the option to buy it.
  • You have a yearly mileage cap.
  • You'll end up paying more over time for a leased car than if you bought a car and kept it for years.
  • You can be faced with excessive wear-and-tear expenses.
  • Termination of a lease can be costly.

Overall the decision between signing a lease or getting a loan needs to be made in accordance to your specific financial situation. Our finance experts will gladly help you through the process so that you are educated and can make a well-informed decision on what financing option is right for you. So, if you're looking for a car loan or lease in the Los Angeles area, our finance team at Puente Hills Subaru will be glad to assist you over the phone or in person at our dealership. You can also use our financing contact form to get in touch or our online finance application. We look forward to assisting you in any way possible throughout your car shopping experience.