Subaru Financing in Chico, CA near Oroville

Buying or Leasing Your Vehicle at Courtesy Subaru of Chico

When it's time to purchase a new Subaru or used car, Courtesy Subaru of Chico is a top choice for drivers in the Northern California area. But we're more than a dealership that sells quality new and used vehicles. We're a full-service, one-stop shop for all things vehicle-related.

Your Full-Service Dealership in Chico

Do you need a quick tune-up or regular maintenance? Our factory-trained technicians can handle your oil change or engine problems and anything in between. Are you looking to sell your vehicle? Our friendly sales team will handle the transaction with no requirement for you to purchase anything in return. But, if you want to use your trade as a down payment for a new car, our finance team will find a loan with rates that best fit your budget.

Making a Tough Finance Decision

But sometimes, deciding your finance terms is always the toughest part of the deal. After you find the vehicle you want, you may need someone to finance your purchase. But what terms should you take? How many years? Will you have a down payment, and if so, how much are you willing to give? All these things will play a major factor in the monthly finance amount of your vehicle. Here are your options.

How Will You Finance Your Vehicle?

There are two financing options for you: buying or leasing. We're going to give you a little more insight on what's behind both choices so you can make a decision that best suits your situation in Butte County.


If you're looking for a vehicle refresh every few years, or working with a smaller budget, then leasing might be the best choice for you. Since you won't pay the full depreciation of the vehicle, you'll have lower monthly payments. Additionally, the down payment will be less. You'll only pay the first month's payment plus the taxes, title, and registration fees in most cases. You can also expect to have lower repair costs since your new vehicle will still be under warranty.

So, if you want to drive a brand new car every few years and save a little more money in the process, leasing might be the best option for you.

Buying Your Vehicle

If you desire to sell your vehicle later down the line, buying is the most practical choice. When buying a vehicle, you can customize it the way you want. If you want to add a sunroof, a spoiler, or make any alteration to your vehicle, the decision is yours.

Also, by owning your vehicle outright, you don't have to worry about mileage restrictions or extra fees and penalties. You can drive with confidence that your vehicle is yours, and you can go where you need to when you need to, as much as you need to. It adds a little more freedom to your car driving experience in Oroville.

Making a Decision

We understand that making the best decision requires the right tools and information. So, whether you decide to own or lease a vehicle with us, you can get the process started online from your home in Orland. Our tools will give the extra information you need to make your choice. From our finance application to our Guaranteed Trade-In Program, you can find out who much your vehicle is worth or get pre-approved for your loan.

We also have incentives on select vehicles, so you can check out other ways you can save money with Courtesy Subaru of Chico. There is no "best" option between buying and leasing-there is only a "best option" for you. Contact our friendly associates at Courtesy Subaru of Chico if you have any questions about the leasing or buying process. We're ready and available to answer all of your questions.

New Inventory

Shop New Inventory

Pre-Owned Inventory

Shop Pre-Owned Inventory

Service Department

Explore Service Department

Parts Department

Explore Parts Department
  1. Courtesy Subaru of Chico

    896 East Avenue
    Chico, CA 95926

    • Sales: 530-345-9444
Loading Map...

Get in Touch

  • Contact our Sales Department at: 530-345-9444
  • Monday9:00am - 8:00pm
  • Tuesday9:00am - 8:00pm
  • Wednesday9:00am - 8:00pm
  • Thursday9:00am - 8:00pm
  • Friday9:00am - 8:00pm
  • Saturday9:00am - 7:00pm
  • Sunday10:00am - 6:00pm