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What is a Subaru Guaranteed Future Value agreement?

Finance FAQs

What is Guaranteed Future Value?


Guaranteed Future Value (GFV) is a safety net in the form of a guaranteed minimum buy-back amount for your Subaru at the end of the loan term, as determined by Subaru Financial Services. When setting up your loan we set your final repayment to be in line with the GFV value. So, put simply the GFV value is either:

  • The amount we will pay you as a credit towards your final repayment in exchange for the vehicle at the end of the loan term (subject to the vehicle meeting our Fair Wear & Tear standards and agreed kilometres); or
  • The amount you will need to pay us at the end of the loan term, should you elect to retain the vehicle.

Guaranteed Future Value (GFV) is a safety net in the form of a guaranteed minimum buy-back amount for your Subaru at the end of the loan term, as determined by Subaru Financial Services. When setting up your loan we set your final repayment to be in line with the GFV value. So, put simply the GFV value is either:

  • The amount we will pay you as a credit towards your final repayment in exchange for the vehicle at the end of the loan term (subject to the vehicle meeting our Fair Wear & Tear standards and agreed kilometres); or
  • The amount you will need to pay us at the end of the loan term, should you elect to retain the vehicle.

How does Guaranteed Future Value work?


Subaru Financial Services analysts set the GFV based on several factors that influence the car market – such as new models, economic and consumer trends. This GFV also factors in your loan term and agreed End Odometer reading.

Subaru Financial Services analysts set the GFV based on several factors that influence the car market – such as new models, economic and consumer trends. This GFV also factors in your loan term and agreed End Odometer reading.


Does the GFV equal the expected market value?


No. The GFV is a value that our team of analysts determine using data from a range of sources to determine values at a set point in time. This is a continuous process which accounts for new trends and economic fluctuations. The GFV amount set is not intended to be a definitive estimate of the market value of the vehicle at the end of the loan term.

The one thing you can control, is to maintain your vehicle well in line with our Fair Wear and Tear guidelines and to not exceed the agreed kilometres, in order to avoid additional fees and charges in the event you want to return or upgrade the vehicle.

No. The GFV is a value that our team of analysts determine using data from a range of sources to determine values at a set point in time. This is a continuous process which accounts for new trends and economic fluctuations. The GFV amount set is not intended to be a definitive estimate of the market value of the vehicle at the end of the loan term.

The one thing you can control, is to maintain your vehicle well in line with our Fair Wear and Tear guidelines and to not exceed the agreed kilometres, in order to avoid additional fees and charges in the event you want to return or upgrade the vehicle.


Do I have to keep the car in good condition?


If you intend to return or upgrade your Subaru at the end of the loan term, then yes, you do. But if you’re planning to retain the vehicle at the end of the loan term, then it’s entirely up to you, although, for safety purposes, we obviously always recommend that you keep your vehicle well maintained. We set guidelines to explain what we consider to be good condition in our Fair Wear and Tear booklet, which can be found in your Subaru Retailer or on our website.

If you intend to return or upgrade your Subaru at the end of the loan term, then yes, you do. But if you’re planning to retain the vehicle at the end of the loan term, then it’s entirely up to you, although, for safety purposes, we obviously always recommend that you keep your vehicle well maintained. We set guidelines to explain what we consider to be good condition in our Fair Wear and Tear booklet, which can be found in your Subaru Retailer or on our website.


What happens if I have a GFV and I damage my car?


If you have chosen to return your vehicle and at the end of the loan term, and it doesn’t meet our Fair Wear and Tear Guidelines, we’ll give you the opportunity have the vehicle repaired at your cost, prior to the returning it to us. We can help you assess the condition of your vehicle so that you can carry out the necessary repairs. Otherwise, you can return the vehicle ‘as is’ and we will invoice you for the cost of repairs required to return the vehicle to a standard that is in line with our Fair Wear and Tear standards.

If you have chosen to return your vehicle and at the end of the loan term, and it doesn’t meet our Fair Wear and Tear Guidelines, we’ll give you the opportunity have the vehicle repaired at your cost, prior to the returning it to us. We can help you assess the condition of your vehicle so that you can carry out the necessary repairs. Otherwise, you can return the vehicle ‘as is’ and we will invoice you for the cost of repairs required to return the vehicle to a standard that is in line with our Fair Wear and Tear standards.


What happens if I drive extra kilometres?


If you drive more than your End Odometer, an excess usage charge may apply. We will only invoice you for this if you choose to return your vehicle at the end of the agreement.

If you drive more than your End Odometer, an excess usage charge may apply. We will only invoice you for this if you choose to return your vehicle at the end of the agreement.


What vehicle can I buy through GFV?


Assuming you are an approved Subaru Financial Services purchaser, GFV may be used to purchase any new Subaru vehicle.

Assuming you are an approved Subaru Financial Services purchaser, GFV may be used to purchase any new Subaru vehicle.


Terms and Conditions


2.The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade-in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a fixed rate loan if you select the GFV option. Monthly repayments will be lower compared to a similar loan term with no GFV or equivalent balloon final payment. Available on new and demonstrator Subaru vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS, or another person or entity with SFS’s agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle is damaged or you have travelled excess kilometres. Credit criteria, fees, charges and terms and conditions apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian credit licence 483211.

The information provided on this web page by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian Credit Licence 483211 is general in nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

2.The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade-in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a fixed rate loan if you select the GFV option. Monthly repayments will be lower compared to a similar loan term with no GFV or equivalent balloon final payment. Available on new and demonstrator Subaru vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS, or another person or entity with SFS’s agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle is damaged or you have travelled excess kilometres. Credit criteria, fees, charges and terms and conditions apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian credit licence 483211.

The information provided on this web page by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian Credit Licence 483211 is general in nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

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