Subaru Lease Mileage Allowance & Overage Fees
Subaru Motors Finance publishes its lease-end steps and loyalty program but no standard per-mile rate.
Quick answer
How much is the Subaru lease overage fee? Subaru Motors Finance does not publish a standard per-mile rate; its lease-end pages name none, so look for the excess-mileage charge in your lease agreement. Regulation M requires every US lease to state the excess-mileage charge, so the figure in your contract is the one that applies.
Sources: Subaru Motors Finance, Regulation M
What Subaru Motors Finance says about excess mileage
Subaru Motors Finance's lease-end pages state no standard per-mile excess-mileage rate; the rate that applies to you is the one in your lease agreement.
| Leasing company | Subaru Motors Finance (administered by Chase) |
|---|---|
| Published excess-mileage rate | Not published; set in your lease |
| Typical US allowance | 12,000 to 15,000 mi/yr (Federal Reserve) |
| Segment | Economy |
What Subaru Motors Finance publishes about your Subaru lease
Each item below is quoted from the lender's own website or lease-end documents and was re-checked on the date shown. Your contract governs where it differs.
Loyalty waivers and credits
Lease Loyalty Program
Lease another Subaru through Subaru Motors Finance and there is no disposition fee, plus up to $300 toward tires, up to $200 toward keys, and up to $550 toward your first payment.
“No disposition fee when you return your current Subaru ... Up to $300 toward tire replacement ... Up to $200 toward key replacement ... Up to $550 for your first monthly payment from Subaru of America”
Source: Subaru Motors Finance (Chase) (checked 2026-10-21)
Loyalty window
To qualify, return the car within 180 days either side of maturity and finance or lease a new Subaru through SMF within 180 days of return.
“Return the leased vehicle no earlier than 180 days prior to the originally contracted maturity date and no later than 180 days past the originally contracted maturity date, OR, if extended, no later than the extended maturity date, and (b) Within 180 days of vehicle return, finance or lease a new Subaru vehicle through SMF.”
Source: Subaru Motors Finance (Chase) (checked 2026-10-21)
Excess wear and use
First $1,000 of wear
Subaru Motors Finance subtracts the first $1,000 of wear and use charges from your lease-end bill, excluding tire, key replacement and mileage charges.
“The first $1,000 of wear and use charges will be subtracted from your lease-end bill. ... Excludes tire, key replacement and mileage charges.”
Source: Subaru Motors Finance (Chase) (checked 2026-10-21)
Lease-end steps
Pre-inspection lead time
Book the pre-inspection at least 45 days before your turn-in date.
“Make your appointment at least 45 days before your turn-in date to ensure you can get one that fits your schedule.”
Source: Subaru Motors Finance (Chase) (checked 2026-10-21)
Extensions
If you extend, mileage is pro-rated for each month, and you can extend only once.
“Mileage is pro-rated for each month. ... you can only extend your lease one time, if you qualify.”
Source: Subaru Motors Finance (Chase) (checked 2026-10-21)
How to find the rate in your Subaru lease
Subaru Motors Finance does not publish a standard rate; its lease-end pages name none, so look for the excess-mileage charge in your lease agreement. Every US lease must carry an “Excessive Wear and Use” notice, and Regulation M (12 CFR 213.4(h)) requires that notice to “specify the amount or method for determining any charge for excess mileage.” Find that box in your Subaru lease paperwork: the per-mile figure printed there is your rate.
How to stay ahead of Subaru overage fees
- Find your mileage allowance and per-mile rate in your Subaru lease agreement, in the excess-mileage disclosure described above.
- Divide your total allowance by the number of months in your lease to get your monthly mileage budget.
- Log your odometer regularly and compare it to that budget so you spot a problem while small changes still matter.
- If you are trending over, ask Subaru Motors Finance whether it will sell extra miles; the Federal Reserve notes that miles negotiated into the lease often cost less than excess miles at the end.
- If you will exceed the limit anyway, compare paying the overage at turn-in against buying the car, which removes the excess-mileage charge where your lease has a purchase option.
Subaru Lease Mileage FAQ
Subaru Motors Finance (administered by Chase) does not publish a standard excess-mileage rate. Subaru Motors Finance's lease-end pages state no standard per-mile excess-mileage rate; the rate that applies to you is the one in your lease agreement. Your exact rate is in your lease agreement, because US law requires it to be there.
In your lease agreement: its lease-end pages name none, so look for the excess-mileage charge in your lease agreement. Under Regulation M (12 CFR 213.4(h)), a US lessor must disclose "the amount or method for determining any charge for excess mileage." Look for the "Excessive Wear and Use" notice in your contract: the excess-mileage charge is stated with it, and it overrides any figure you read online.
Your allowance is whatever you agreed to at signing, and it is printed on your lease. The Federal Reserve notes that 10,000, 12,000 and 15,000 miles a year are common and that you can negotiate other limits.
Ask Subaru Motors Finance before you sign. The Federal Reserve notes that it often costs less to negotiate a higher mileage limit in the lease than to pay for excess miles at the end.
Track your odometer against your mileage budget (total allowance divided by lease months) and correct early, while you still have time to change how you drive. If you will go over anyway, compare the turn-in charge with buying the car: the Federal Reserve notes that if you purchase your leased vehicle at lease end you are not responsible for excess mileage charges. LeaseMiles tracks your pace automatically and warns you before you cross the line.
