Service Now, Pay Over Time - Starting 10/7/26
Get your Subaru taken care of today at Ruge's Subaru in Rhinebeck and spread the cost into monthly payments with Sunbit. Checking your options won't affect your credit score.
What is Sunbit?
Sunbit is a pay-over-time financing option built for service and repair visits. Instead of covering a big repair bill all at once, you pick a monthly plan that fits your budget and we get you back on the road.
It uses a soft credit check, so it won't affect your credit score. It only takes a minute, and you'll see your plan choices right away.
How it works
1. Apply above. Fill out the quick form from your phone or computer.
2. See your plans. You'll get a decision in seconds along with your monthly payment choices.
3. Pick what works. Choose the plan that fits your budget.
4. Get your service. Our Subaru-trained techs take it from there.
What you can use it for
Sunbit works for the service and parts work we do here in the shop, including brakes, tires, batteries, engine and transmission repairs, A/C work, and scheduled maintenance. If an estimate caught you off guard, just ask your service advisor about it.
Sunbit financing FAQs
Will applying hurt my credit score?
No. Sunbit uses a soft credit check to show your options, and that doesn't impact your credit score.
How long does it take to get approved?
Most people get a decision in under a minute, right from their phone.
Do I need perfect credit?
No. Sunbit is designed to work with a wide range of credit profiles. Rates and terms depend on things like creditworthiness and the amount you finance.
What do I need to bring?
A valid driver's license or state ID and a bank-issued debit card for any amount due at checkout. Prepaid debit cards and credit cards aren't accepted.
Can I use Sunbit if I'm already at the dealership?
Absolutely. You can apply on this page before your visit or ask your service advisor at Ruge's Subaru to help you get started in person.
Ready to get your Subaru taken care of?
Book your visit with our Rhinebeck service team and bring your Sunbit plan with you.
Schedule ServiceSubject to approval based on creditworthiness. Rates and terms, including any amount due at checkout, vary based on creditworthiness, loan amount, state of residence and other factors. Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit. See Sunbit for full rates and terms.