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5 tips to use a car-buying service Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive tools and financial calculators, publishing original and objective content. We also allow users to conduct research and evaluate information for free – so that you can make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are advertised on this website are provided by companies that compensate us. This compensation may impact how and where products appear on this site, including such things as the order in which they appear within the listing categories and other categories, unless prohibited by law. Our loans, mortgages, and other home loan products. However, this compensation will affect the information we provide, or the reviews you see on this site. We do not cover the universe of companies or financial offerings that might be open to you. SHARE skynesher/Getty images

4 min read Published June 15, 2022

Jackie Lam Written Jackie Lam Written by Contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie is a writer on auto loans. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances through providing concise, well-researched and well-constructed facts that break down complicated topics into bite-sized pieces. The Bankrate promises

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We receive compensation for the placement of sponsored products and services, or when you click on certain links posted on our site. This compensation could impact how, where and in what order products appear within listing categories and categories, unless it is prohibited by law for our mortgage or home equity products, as well as other products for home loans. Other factors, like our own website rules and whether the product is offered in the area you reside in or is within your personal credit score could also affect the manner in which products appear on this site. We strive to provide the most diverse selection of products, Bankrate does not include details about every credit or financial product or service. If you hate the idea of negotiating with a dealer for the cost to buy a new vehicle, then a car-buying service may be a solid alternative. You can do it from the comfort of your own home, and some car buying services may offer ways to put more money into your pocket. Are car buying services a good fit for you? Negotiation at dealerships can be daunting. If fear of a bad deal has scared you away from checking out the dealer’s showrooms, a buying service can be a good option for you. There are two main types of car-buying services: the concierge service and subscription-based services. Concierge services are a great way to determine the cost of the car and make the car-buying process easier for you, for example, delivery of the car to your residence or an area center so that you can try it out before you purchase. Numerous organizations, including AAA warehouse clubs, warehouse clubs and others, offer car buying services for their members at no cost, says John Nielsen, managing director of auto engineering and repair for the AAA headquarters at Heathrow, Florida. Nielsen claims that those who utilize these car-buying services could save thousands of dollars off the cost of their purchase. “I have a friend who purchased the car through Our program that saved $2,600,” he says. Although consumers have the ability to save a good deal of money, not all buying services are created equal, says Lauren Fix, founder of The Car Coach and Car Smarts and a consumer expert on autos. She advises consumers to be aware of what the company stands to gain from these deals and if their goals are similar to yours. Tips for using a car buying service If a service for buying cars might be a good fit for you, think about these guidelines before deciding. 1. Businesses offer negotiation and convenience Car-buying platforms are for shoppers who have a tight schedule and can’t find and fix, according to Fix. For example, Carvana, a popular car-buying service, provides fixed costs and will bring the vehicle to your house so you can test-drive it for seven days. Costs can vary and some services charge a percentage of the cost of the vehicle. At Meriwest Credit Union in San Jose, California, members can take advantage of its Autoland auto-buying service. Using the service allows them to barely interact with anyone from a dealer, says William Fultz, an auto broker at Meriwest Credit Union. Members are connected to an expert in auto finance who can negotiate the price of your car on your behalf and work with them to secure an auto loan through the credit union. 2. Free services are usually for members only . If you’re members of AAA, AARP, Costco, Sam’s Club or a credit union, you may be eligible to tap into their free car-buying services. Every program operates differently, and some might provide the option of negotiating the price of a vehicle on your behalf, whereas others provide pre-negotiated fixed rates. Certain clubs and associations may have discounts, benefits or incentives offered by car makers only to members of their organization. 3. Buyers should do their homework Before working with an auto-buying service, Fix suggests looking through websites for auto research, such as Edmunds and Kelley Blue Book, to learn the average sales cost of the car you want to purchase in your local area. Another benefit to doing research prior to the purchase is that buyers should know what they want before they contact the service firm, Nielsen says. “It’s difficult to guide with your search if you’re looking at minivans, sports cars or convertibles at the same simultaneously,” he says. Nielsen recommends narrowing your options to the best two or three choices that include models, make, colors and options, before contacting a car-buying service. “Think about what it is that you truly want to buy and how much you’d like to pay,” he says. When a company has that data, it can work much more efficiently at getting the car you want at a competitive price. 4. Know how car-buying services are paid While these services might be offered for free to members, the cost is included in any fees for membership. As for concierge services, they may charge a flat rate or a percentage of the cost of the car. Car-buying services often can negotiate lower rates with dealers because of the sales volume the dealership achieves due to this, and they can pass along the savings to the buyer. But consumers should be aware they could be directing them to dealers which they’ve a business relationship, she says. “You have to ask yourself if you really are getting the most value for your money,” Fix says. Fultz says referral fees may not be the only advantage these companies receive. Credit unions typically offer car buying services to strengthen the relationship between the customer and an institution. “It helps us keep our loans inside the bank on a greater base,” he says. “It helps our membership, as well as the dealers.” 5. Be aware of the return policy. Consumers must be aware of the policy regarding customer satisfaction prior to when they take possession of the car or truck, Fix says. Otherwise, you might be stuck with a huge purchase and something you aren’t satisfied with. You can check out the car-buying service platform’s website or by reaching out to customer service to find out the return policy. Beyond the time you’re allowed to use after purchasing the car for returning it make sure for any limit to the number of miles you are allowed to drive. If you go over the number of miles that you can drive, you’ll need to pay for every mile that is over the limit. The car isn’t able to be returned damaged or altered — it has to be returned in the exact condition as when it was handed over to you. The main point to remember is that using an online car buying service can be an option for you if you do not want to bargain with a salesperson at the dealership, prefer not to walk in a car dealership or if you’re short on time. Before calling, do your homework and look at the details including researching the cost involved, and a car-buying platform’s return policy. Learn more

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Written by the writer who contributes to the project. Jackie Lam is a contributing writer for Bankrate. Jackie is a writer on auto loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to control their finances with concise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.

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