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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 mission is to help you make better financial decisions by providing you with financial calculators and interactive tools, publishing original and objective content. We also allow you to conduct your own research and evaluate information for free to help you make sound financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that are featured on this website are provided by companies who pay us. This compensation may impact how and where products appear on the site, such as such things as the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does affect the information we publish, or the reviews that you read on this site. We do not cover the universe of companies or financial deals that could 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. Edited 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 the confidence to manage their finances with concise, well-researched and well-constructed facts that break down complicated topics into bite-sized pieces. The Bankrate guarantee

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You have money questions. Bankrate can help. Our experts have been helping you manage your finances for more than four years. We strive to continuously give our customers the right guidance and tools required to make it through life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and reliable. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the right financial decisions. The content created by our editorial staff is factual, objective, and not influenced through our sponsors. We’re transparent about the ways we’re capable of bringing high-quality content, competitive rates, and helpful tools to our customers by describing how we earn our money. is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and, services, or by you clicking on certain links posted on our site. This compensation could affect the way, location and in what order products appear in listing categories in the event that they are not permitted by law. We also offer mortgage or home equity products, as well as other products for home loans. Other factors, such as our own proprietary website rules and whether or not a product is available in the area you reside in or is within your own personal credit score could also affect the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include details about every credit or financial product or service. If you are not a fan of having to bargain with a dealership about the cost to buy a new car, a car-buying service could be a good alternative. You can purchase a car from the convenience of your own home, and some of the car purchasing services could offer options to save money in your pocket. What are the best car buying services for you? The process of negotiating with dealerships can be intimidating. If the fear of a bad deal has scared you from visiting dealerships, a car buying service might be the best alternative for you. There are two primary types of car buying services such as concierge services and membership-based services. Concierge services can help you bargain the price of the car and make the buying process easier for you, for example, delivering the car to your residence or the nearest center so you can try it out prior to purchasing. Numerous organizations, including AAA, warehouse clubs and others, provide car-buying assistance for their members at no cost, says John Nielsen, managing director of auto engineering and repairs for the AAA headquarters at Heathrow, Florida. Nielsen states that buyers who avail these services for buying a car can save thousands of dollars on their purchases. “I have friends who purchased the car through our program and saved $2600,” he says. Though shoppers have the potential to save a good deal of dollars, not all car buying services are the same, according to Lauren Fix, founder of The Car Coach and Car Smarts and expert in consumer automobiles. She advises consumers to be aware of what the company stands to benefit from these deals and if their goals are similar to yours. Tips for using a car buying service If a car-buying service might be a good fit for you, take a look at these suggestions before seeking one out. 1. Businesses offer negotiation and convenience Car-buying platforms are for shoppers who are tight on time and can’t find and fix, according to Fix. For example, Carvana, a popular car-buying company, has fixed prices and can bring the car to your home to allow you to test drive it over the course of seven days. Prices can differ, and some services charge a percentage of price of the car. In Meriwest Credit Union in San Jose, California, members can avail the Autoland car buying service. Utilizing the service allows them to barely interact with anyone from a dealer, says William Fultz, an auto broker at Meriwest Credit Union. Members are paired with the auto advisor who can negotiate the car’s price on your behalf and collaborate together to get a car loan through Meriwest Credit Union. 2. Free services are usually for members only If you’re a member of AAA, AARP, Costco, Sam’s Club or a credit union, you might be eligible to avail their free car buying services. Each program is different, and some might provide the option of negotiating the cost of a car for you, while others provide pre-negotiated fixed prices. Certain clubs and associations may have discounts, other benefits, or incentives offered by car makers only to members of their organization. 3. Buyers should still do their homework Before working with a car-buying service, Fix suggests browsing sites for research on autos, such as Edmunds or Kelley Blue Book, to discover the average price for your desired car in your area. Another advantage of doing your research before you buy is that buyers should have a good idea of what they want before they contact the service company, Nielsen says. “It’s difficult to guide with your search if you’re looking at minivans, sports cars and convertibles at the same simultaneously,” he says. Nielsen recommends narrowing your choices to your top two or three choices which include the make, model, color and choices, prior to contacting a car-buying service. “Think about the kind of car that you truly desire to purchase and the much you want to invest,” he says. When a company has that information, it will be able to be more efficient in finding the car you want at a competitive price. 4. Know how car-buying services are paid. Although these services could be free for members, the cost is integrated into the fees for membership. For concierge service, they might charge a flat rate or a percentage of the price of the vehicle. Car-buying services often can negotiate discounts with dealers due to the number of sales the dealership can earn through this process and can pass along the savings to the buyer. But consumers should be aware the company could be steering them to dealers who they’ve established a working relationship, she says. “You must determine if you are getting the best price,” Fix says. Fultz believes referral fees could never be the primary advantage the companies get. Credit unions often offer car-buying services to strengthen the customer’s relationship with their financial institution. “It ensures that we keep our loans within the institution on a greater base,” he says. “It is beneficial to our members, us and dealers.” 5. Learn about the return policy. Customers must be aware of the customer satisfaction policy before they purchase the vehicle or car, Fix says. In the event that you don’t, you could end up with a costly purchase that you’re not pleased with. You can on the car-buying service platform’s website or contact customer support to inquire about the return policy. Beyond the time you have after you purchase the car in order to take it back, make sure for any limit to the number of miles you are allowed to drive. If you go over the limit then you’ll be charged for each mile past the limit. Typically, the car can’t be returned damaged or modified the vehicle must be in the same state as it was the day it was given to you. The main point to remember is that using the car buying services could be an ideal alternative if you don’t want to negotiate with an agent at the dealership, prefer not to walk at a car dealer or are tight on time. Before calling make sure you do your research and study the specifics including researching the cost involved, and the policy for returning a car purchased through a service. Find out more


Written by Contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.

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