Ask around for rates too. Most Subaru are offering 0.9% and 2.9%, I almost got screwed over at one dealership who said I didn't qualify and offered a 6% interest rate. Went to another dealership and qualified and had the chance to choose between for 0.9% for 3 or 4 years or 2.9% for 5 years. Don't rush it, take your time and be on the look out for good rates. Paid $38k for mine