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Iraqvet05
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Feb 14, 2018

USAA car buying service?

Has anyone used USAA's car buying service to purchase a pre-owned vehicle? I'll be in the market for a newer truck in a few months and plan to apply for another USAA car loan. We financed a new Explorer with them (bought with an X plan) as they had a cheap APR compared to what the dealer had offered.

When I looked at the USAA site, it appears I have to use one of their approved dealers to purchase a vehicle from if I want to use their loan service. While I don't mind this, I wonder what their "member price" is without actually requesting a certificate. If a truck is listed for $37,000 on the USAA site, any idea what I should expect as a member price? I am assuming these prices are pre-negotiated with USAA/Truecar before they let a dealer list them.
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car buying service?","id":"message:2901575","revisionNum":1,"repliesCount":16,"author":{"__ref":"User:user:193568"},"depth":0,"hasGivenKudo":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"conversation":{"__ref":"Conversation:conversation:2901575"},"readOnly":false,"editFrozen":false,"moderationData":{"__ref":"ModerationData:moderation_data:2901575"},"body":"Has anyone used USAA's car buying service to purchase a pre-owned vehicle? I'll be in the market for a newer truck in a few months and plan to apply for another USAA car loan. We financed a new Explorer with them (bought with an X plan) as they had a cheap APR compared to what the dealer had offered.

When I looked at the USAA site, it appears I have to use one of their approved dealers to purchase a vehicle from if I want to use their loan service. While I don't mind this, I wonder what their \"member price\" is without actually requesting a certificate. If a truck is listed for $37,000 on the USAA site, any idea what I should expect as a member price? I am assuming these prices are pre-negotiated with USAA/Truecar before they let a dealer list them.","body@stringLength":"775","rawBody":"Has anyone used USAA's car buying service to purchase a pre-owned vehicle? I'll be in the market for a newer truck in a few months and plan to apply for another USAA car loan. We financed a new Explorer with them (bought with an X plan) as they had a cheap APR compared to what the dealer had offered.

When I looked at the USAA site, it appears I have to use one of their approved dealers to purchase a vehicle from if I want to use their loan service. While I don't mind this, I wonder what their \"member price\" is without actually requesting a certificate. If a truck is listed for $37,000 on the USAA site, any idea what I should expect as a member price? I am assuming these prices are pre-negotiated with USAA/Truecar before they let a dealer list them.","kudosSumWeight":0,"postTime":"2018-02-14T11:11:39.000-08:00","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"tags":{"__typename":"TagConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[{"__typename":"TagEdge","cursor":"MjUuM3wyLjF8b3wxMHxfTlZffDE","node":{"__typename":"Tag","id":"tag:Tow Vehicles","text":"Tow Vehicles","time":"2007-11-11T19:40:46.000-08:00","lastActivityTime":null,"messagesCount":null,"followersCount":null}}]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:2901575_1"},"latestVersion":null,"metrics":{"__typename":"MessageMetrics","views":3309},"visibilityScope":"PUBLIC","canonicalUrl":null,"seoTitle":null,"seoDescription":null,"isEscalated":null,"placeholder":false,"originalMessageForPlaceholder":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}},"archivalData":null,"searchSnippet":"...7,000 on the USAA site, any idea what I should expect as a member price? I am assuming these prices are pre-negotiated with USAA/Truecar before they let a dealer list 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@media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: $theme-space-small $theme-space-xsmall;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: $theme-type-size-xsmall;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: $theme-space-small;\n }\n\n @media screen and (min-width: 992px) {\n font-size: $theme-type-size-small;\n }\n }\n\n .dropup {\n background-clip: padding-box;\n border: none;\n font-size: $theme-type-size-small;\n list-style: none;\n padding-left: 5px;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .dropdown-menu {\n display: block;\n }\n }\n }\n\n .footer-dropup-toggle {\n background: none;\n border: 0;\n padding: 0;\n\n .fa-angle-up {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .dropdown-menu {\n background-color: #fff;\n border-radius: 4px;\n bottom: 100%;\n margin: 2px 0 0;\n min-width: 160px;\n padding: $theme-space-xsmall 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: $goodsam-gray;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n\n.footer-terms {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: $theme-space-small 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .row {\n padding-bottom: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n padding-bottom: $theme-space-base;\n }\n\n &.footer-terms-order-1 {\n order: 1;\n }\n\n &.footer-terms-order-2 {\n order: 2;\n }\n }\n}\n\n.footer-bottom {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-small;\n }\n\n .footer-bottom-list-center {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n float: none;\n margin: 0 auto;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n display: inline;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n padding: 0;\n\n &:first-child a {\n padding-left: 0;\n }\n\n &:last-child {\n border-right: 0;\n\n a {\n padding-right: 0;\n }\n }\n }\n\n a {\n display: inline-block;\n font-size: $theme-type-size-small;\n padding: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: $theme-type-size-xsmall;\n padding: 0 12px 0 $theme-space-small;\n }\n }\n }\n }\n}\n\n.copyright {\n color: $goodsam-gray-footer;\n font-size: $theme-type-size-base;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n margin-bottom: $theme-space-small;\n }\n}\n\n#gsFooterSocial,\n.gsFooterSocial {\n background: $goodsam-gray-200;\n padding: 0 calc($theme-space-small + $theme-space-xsmall);\n .footerSocialItems,\n #footerSocialItems {\n text-align: center;\n\n @media screen and (min-width: 767px) {\n text-align: left;\n }\n }\n\n .footerSocialItems ul,\n #footerSocialItems ul {\n list-style-type: none;\n margin: auto;\n padding-left: 0;\n\n li {\n display: inline;\n margin: 0 $theme-space-small;\n }\n }\n}\n","texts":{"custom.footer.col01.text.01":"Home","custom.footer.col01.url.01":"https://www.goodsam.com/","custom.footer.col01.text.02":"About Us","custom.footer.col01.url.02":"https://www.goodsam.com/about/","custom.footer.col01.text.03":"Contact Us","custom.footer.col01.url.03":"https://www.goodsam.com/contact","custom.footer.col01.text.04":"FAQ","custom.footer.col01.url.04":"https://www.goodsam.com/faq/","custom.footer.col01.text.05":"Site Map","custom.footer.col01.url.05":"https://www.goodsam.com/site-map.aspx","custom.footer.col02.text.01":"Code of Conduct","custom.footer.col02.url.01":"https://www.goodsam.com/code-of-conduct.aspx","custom.footer.col02.text.02":"Affiliate Program","custom.footer.col02.url.02":"https://www.goodsam.com/affiliate/","custom.footer.col02.text.03":"Become a Good Sam Campground","custom.footer.col02.url.03":"https://www.goodsamnetwork.com/","custom.footer.col02.text.04":"Good Sam Rewards Visa","custom.footer.col02.url.04":"https://www.goodsam.com/creditcard/","custom.footer.col02.text.05":"About Marcus Lemonis","custom.footer.col02.url.05":"https://www.goodsam.com/about-marcus-lemonis/","custom.footer.col03.text.01":"RV Sales","custom.footer.col03.url.01":"https://rv.campingworld.com/","custom.footer.col03.text.02":"RV Gear","custom.footer.col03.url.02":"https://www.campingworld.com/shop/","custom.footer.col03.text.03":"RV Maintenance & Repair","custom.footer.col03.url.03":"https://rv.campingworld.com/service/","custom.footer.col03.text.04":"Good Sam Membership & Services","custom.footer.col03.url.04":"https://www.goodsam.com/","custom.footer.col03.text.05":"Campground Solutions","custom.footer.col03.url.05":"https://campgroundsolutions.goodsam.com/","custom.footer.col04.text.01":"Helpful Articles and Tips","custom.footer.col04.url.01":"https://www.goodsam.com/article","custom.footer.col05.text.01":"Good Sam Apps","custom.footer.col05.url.01":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col05.text.02":"Take Good Sam apps on your next RV Trip!","custom.footer.col05.url.02":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col06.text.01":"Customer Service Phone Number:","custom.footer.col06.phone.number":"866-205-7451","custom.footer.col06.text.02":"Club contact number 866-205-7451","custom.footer.col06.url.02":"tel:866-205-7451","custom.footer.row01.logo.text":"Good Sam Home","custom.footer.row01.text.01":"Blog","custom.footer.row01.url.01":"http://blog.goodsam.com/","custom.footer.row01.text.02":"Careers","custom.footer.row01.url.02":"https://www.campingworldcareers.com/","custom.footer.row01.text.03":"Contact Us","custom.footer.row01.text.toggle":"Click to expand","custom.footer.row01.text.04":"Good Sam","custom.footer.row01.url.04":"https://www.goodsam.com/contact/","custom.footer.row01.text.05":"Camping World","custom.footer.row01.url.05":"https://www.campingworld.com/contact/","custom.footer.row01.text.06":"RV Sales","custom.footer.row01.url.06":"https://rv.campingworld.com/contact","custom.footer.row02.text.01":"Privacy Policy","custom.footer.row02.url.01":"https://www.goodsam.com/privacy-policy.aspx","custom.footer.row02.text.02":"California Privacy Rights","custom.footer.row02.url.02":"https://www.goodsam.com/privacy-policy.aspx#calinevada","custom.footer.row02.text.03":"Investor Relations","custom.footer.row02.url.03":"http://investor.campingworld.com","custom.footer.row02.text.04":"Terms of Use","custom.footer.row02.url.04":"https://www.goodsam.com/terms.aspx","custom.footer.row02.text.05":"Accessibility Commitment","custom.footer.row02.url.05":"https://www.goodsam.com/accessibility-commitment.aspx","custom.footer.row02.text.06":"Team Member Assistance","custom.footer.row02.url.06":"https://www.goodsam.com/helping-hand","custom.footer.social.facebook.text":"Facebook","custom.footer.social.facebook.url":"https://www.facebook.com/GoodSam","custom.footer.social.twitter.text":"Twitter","custom.footer.social.twitter.url":"https://twitter.com/GoodSam","custom.footer.social.youtube.text":"YouTube","custom.footer.social.youtube.url":"https://www.youtube.com/user/goodsamrvers","custom.footer.social.instagram.text":"Instagram","custom.footer.social.instagram.url":"https://www.instagram.com/goodsam/?hl=en","custom.footer.social.pinterest.text":"Pinterest","custom.footer.social.pinterest.url":"https://www.pinterest.com/goodsam/","custom-community-footer-copyright.text":"© {0} Good Sam Enterprises, LLC. All rights reserved."},"defaults":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"components":[{"id":"custom.widget.CustomFooter","form":null,"config":null,"props":[],"__typename":"Component"}],"grouping":"CUSTOM","__typename":"ComponentTemplate"},"properties":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"form":null,"__typename":"Component","localOverride":false},"globalCss":{"css":".custom_widget_CustomFooter_footer-wrapper_hp49n_21 {\n background: #474442;\n\n a {\n color: #dfdfdf;\n font-weight: 100;\n\n &:focus,\n &:hover {\n color: #dfdfdf;\n }\n }\n}\n.custom_widget_CustomFooter_sr-only_hp49n_34 {\n position: absolute;\n width: 0.0625rem;\n height: 0.0625rem;\n margin: -0.0625rem;\n padding: 0;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n}\n.custom_widget_CustomFooter_footer_hp49n_21 {\n line-height: 1.25rem;\n /* margin-left: auto;\n\tmargin-right: auto;\n\tpadding-left: $bootstrap-padding;\n\tpadding-right: $bootstrap-padding; */\n}\n.custom_widget_CustomFooter_container_hp49n_52 {\n margin-left: auto;\n margin-right: auto;\n max-width: 73.125rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n}\n.custom_widget_CustomFooter_row_hp49n_60 {\n /* HOTFIX - PSDS-32115 - Remove negative margins to fix mobile display */\n\n &::after {\n clear: both;\n }\n\n &::after,\n &::before {\n content: ' ';\n display: table;\n }\n}\n.custom_widget_CustomFooter_col_hp49n_74 {\n float: left;\n min-height: 0.0625rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n position: relative;\n}\n.custom_widget_CustomFooter_col-xs-10_hp49n_82,\n.custom_widget_CustomFooter_col-sm-10_hp49n_83 {\n width: 83.33333333%;\n}\n.custom_widget_CustomFooter_col-xs-12_hp49n_87,\n.custom_widget_CustomFooter_col-sm-4_hp49n_88,\n.custom_widget_CustomFooter_col-sm-12_hp49n_89,\n.custom_widget_CustomFooter_col-md-2_hp49n_90,\n.custom_widget_CustomFooter_col-md-8_hp49n_91,\n.custom_widget_CustomFooter_col-md-10_hp49n_92,\n.custom_widget_CustomFooter_col-md-12_hp49n_93,\n.custom_widget_CustomFooter_col-lg-2_hp49n_94,\n.custom_widget_CustomFooter_col-lg-8_hp49n_95,\n.custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n}\n@media screen and (min-width: 767px) {\n .custom_widget_CustomFooter_col-md-2_hp49n_90 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-8_hp49n_91 {\n width: 66.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-10_hp49n_92 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-md-12_hp49n_93 {\n width: 100%;\n }\n}\n@media screen and (min-width: 992px) {\n .custom_widget_CustomFooter_col-lg-2_hp49n_94 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-lg-4_hp49n_123 {\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .custom_widget_CustomFooter_col-lg-8_hp49n_95 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .custom_widget_CustomFooter_col-lg-10_hp49n_133 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n }\n}\n.custom_widget_CustomFooter_pull-left_hp49n_142 {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n.custom_widget_CustomFooter_pad-bottom-20_hp49n_156 {\n padding-bottom: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-20_hp49n_160 {\n padding-top: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-30_hp49n_164 {\n padding-top: calc(0.9375rem * 2);\n}\n.custom_widget_CustomFooter_pad-top-40_hp49n_168 {\n @media screen and (min-width: 992px) {\n padding-top: 2.5rem;\n }\n}\n.custom_widget_CustomFooter_margin-left-20_hp49n_174 {\n @media screen and (min-width: 992px) {\n margin-left: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_margin-top-20_hp49n_180 {\n @media screen and (min-width: 992px) {\n margin-top: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_text-center_hp49n_186 {\n text-align: center;\n}\n.custom_widget_CustomFooter_text-right_hp49n_190 {\n text-align: right;\n}\n.custom_widget_CustomFooter_text-smaller_hp49n_194,\n.custom_widget_CustomFooter_text-small_hp49n_194 {\n font-size: 0.75rem;\n}\n.custom_widget_CustomFooter_text-large_hp49n_199 {\n font-size: 1.25rem;\n}\n.custom_widget_CustomFooter_footer-contact_hp49n_203 {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .custom_widget_CustomFooter_text-small_hp49n_194 {\n @media screen and (max-width: 991px) {\n font-size: 1rem;\n }\n }\n }\n\n .custom_widget_CustomFooter_icon-gs-app_hp49n_221 {\n margin-right: 1.25rem;\n max-width: 2.375rem;\n padding-right: 0.125rem;\n padding-top: 0.125rem;\n\n @media screen and (min-width: 992px) {\n margin-left: 8.75rem;\n margin-right: 0;\n }\n }\n\n .custom_widget_CustomFooter_gsi-icon-phone_hp49n_233 {\n margin-bottom: -0.125rem;\n margin-right: 0.625rem;\n max-height: 1.25rem;\n width: 1.25rem;\n\n @media screen and (min-width: 992px) {\n margin-right: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-link_hp49n_245 {\n a,\n button {\n color: #dfdfdf;\n padding: 0 0.75rem 0 0.625rem;\n }\n\n li:last-child a {\n padding-right: 0;\n }\n}\n.custom_widget_CustomFooter_footer-top-links_hp49n_257 {\n padding-left: 0;\n list-style: none;\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n margin-bottom: 0.625rem;\n font-size: 1rem;\n\n @media screen and (max-width: 480px) {\n flex-direction: column;\n }\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n margin-bottom: 1.25rem;\n padding: 0 1.25rem;\n\n @media screen and (min-width: 992px) {\n padding: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-top_hp49n_257 {\n border-bottom: 2px solid #c7c7c7;\n display: block;\n margin: auto;\n padding-top: 0.625rem;\n text-align: center;\n\n @media screen and (min-width: 992px) {\n text-align: left;\n }\n\n .custom_widget_CustomFooter_footer-logo_hp49n_297 {\n max-height: 3.75rem;\n max-width: 8.75rem;\n padding: 0.625rem;\n padding-left: 0;\n padding-top: 0;\n }\n\n .custom_widget_CustomFooter_footer-list_hp49n_305 {\n display: flex;\n justify-content: center;\n align-items: center;\n list-style: none;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: 0.625rem 0.3125rem;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid #666;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: 0.75rem;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: 0.625rem;\n }\n\n @media screen and (min-width: 992px) {\n font-size: 0.875rem;\n }\n }\n\n .custom_widget_CustomFooter_dropup_hp49n_346 {\n background-clip: padding-box;\n border: none;\n font-size: 0.875rem;\n list-style: none;\n padding-left: 0.3125rem;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n display: block;\n }\n }\n }\n\n .custom_widget_CustomFooter_footer-dropup-toggle_hp49n_365 {\n background: none;\n border: 0;\n padding: 0;\n\n .custom_widget_CustomFooter_fa-angle-up_hp49n_370 {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n background-color: #fff;\n border-radius: 0.25rem;\n bottom: 100%;\n margin: 0.125rem 0 0;\n min-width: 10rem;\n padding: 0.3125rem 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: #474442;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n.custom_widget_CustomFooter_footer-terms_hp49n_412 {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: 0.625rem 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .custom_widget_CustomFooter_row_hp49n_60 {\n padding-bottom: 0.625rem;\n\n @media screen and (min-width: 992px) {\n padding-bottom: 1.25rem;\n }\n\n &.custom_widget_CustomFooter_footer-terms-order-1_hp49n_431 {\n 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USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901591"},"body":"Yes, we used the service to buy my 2016 Focus from a local dealer. They knocked $200 OFF the lowest price since I used the USAA service. It was a very easy process and would use again.

PS we bought the Focus because with the dual clutch automatic transmission it is readily usable as a dingy. I really like the car: love the SYNC, hatchback, 35 to 40 mpg, and sunroof. All this for $11,500 using the service last summer.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-17T05:57:49.000-08:00","lastPublishTime":"2018-02-17T05:57:49.000-08:00","metrics":{"__typename":"MessageMetrics","views":620},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901591","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"Rank:rank:38":{"__typename":"Rank","id":"rank:38","position":27,"name":"Nomad II","color":"333333","icon":null,"rankStyle":"TEXT"},"User:user:20666":{"__typename":"User","id":"user:20666","uid":20666,"login":"monkey44","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2002-11-12T06:47:13.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-8.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:38"},"entityType":"USER","eventPath":"community:feyqc97479/user:20666"},"ModerationData:moderation_data:2901590":{"__typename":"ModerationData","id":"moderation_data:2901590","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901590":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:20666"},"id":"message:2901590","revisionNum":1,"uid":2901590,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901590"},"body":"I've tired the USAA services numerous times. Each time, I was able to get a better deal walking in cold and negotiating.

In addition: The local dealers get your contact info - so they call, and call, and call, even after I bought a truck from another dealer. I once had to cell the general manager to get a salesman to quit calling to sell me a GMC 1500, when I wanted and bought a GMC 2500.

Same thing with insurance - USAA might be the best customer service (Lots of folks says that) but none of what they do it the least costs. So, make your choice knowing that. :)","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-17T05:56:44.000-08:00","lastPublishTime":"2018-02-17T05:56:44.000-08:00","metrics":{"__typename":"MessageMetrics","views":617},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901590","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:40748":{"__typename":"User","id":"user:40748","uid":40748,"login":"Dave_H_M","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2006-08-11T06:56:39.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-3.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:41"},"entityType":"USER","eventPath":"community:feyqc97479/user:40748"},"ModerationData:moderation_data:2901589":{"__typename":"ModerationData","id":"moderation_data:2901589","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901589":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:40748"},"id":"message:2901589","revisionNum":1,"uid":2901589,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901589"},"body":"Being with USAA for 40 some years, I assume I can comment.

When we bought the F250 we had a fat check book. however, Ford offered another 1000 off if you financed I think it was 10 grand with them. We were buying using ann X plan. After messing around with my stubby pencil for a nano second I jumped on that.

Made two payments and then wrote the big one for the remaining principal on the loan.

As a couple of others have mentioned, I thought that was a heck of a deal.

i don't think you will get hosed with USAA, but i would be hesitant to not get some kind of comparison before jumping.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-17T05:42:20.000-08:00","lastPublishTime":"2018-02-17T05:42:20.000-08:00","metrics":{"__typename":"MessageMetrics","views":615},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901589","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2901588":{"__typename":"ModerationData","id":"moderation_data:2901588","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901588":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:193568"},"id":"message:2901588","revisionNum":1,"uid":2901588,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901588"},"body":"I'm sure I read it wrong when I said they require you to purchase from one of their certified dealers when using their car loan. They do offer a .50% Apr discount on the loan if you use the service. They also consider a 2017 (I'm assuming even if it's a used 2017) to be a new car. Coupled with their auto payment discount, the APR comes in under 3% with my credit rating.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-16T06:53:25.000-08:00","lastPublishTime":"2018-02-16T06:53:25.000-08:00","metrics":{"__typename":"MessageMetrics","views":613},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901588","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:345793":{"__typename":"User","id":"user:345793","uid":345793,"login":"BurbMan","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2001-09-20T14:30:55.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-6.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:41"},"entityType":"USER","eventPath":"community:feyqc97479/user:345793"},"ModerationData:moderation_data:2901587":{"__typename":"ModerationData","id":"moderation_data:2901587","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901587":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:345793"},"id":"message:2901587","revisionNum":1,"uid":2901587,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901587"},"body":"I said 60 days since that's usually past the chargeback window. Typically dealers gets commission after consumer makes first payment.

I've also been a USAA member since 1982, I banked with them for a while but no more. Had the RV loan with them until it was paid off. I've never used their (or any) car buying service because you can usually get a better deal just negotiating than you can with the fixed discount offered by the service.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-16T06:39:41.000-08:00","lastPublishTime":"2018-02-16T06:39:41.000-08:00","metrics":{"__typename":"MessageMetrics","views":614},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901587","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:315595":{"__typename":"User","id":"user:315595","uid":315595,"login":"DownTheAvenue","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2014-07-30T13:35:43.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-2.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:315595"},"ModerationData:moderation_data:2901586":{"__typename":"ModerationData","id":"moderation_data:2901586","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901586":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:315595"},"id":"message:2901586","revisionNum":1,"uid":2901586,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901586"},"body":"
pigman1 wrote:
When you are buying a car (new or used) you are really involved in three negotiations. First is the price of the car. Who will give you the best deal. Second is the price they will pay for your trade in. Can you do better selling it privately and is it worth your trouble. Third is the price of the financing. Interest rate, down payment and length of financing. Finally, if you have the ability to pay cash for the car, what interest are you foregoing to pay cash. Get all the figures and find what works best for you. I've been a USAA member since 1963 and have used them for financing multiple times, but for the car I just bought, they couldn't come close. Dealer financing was the way I went this time, but next time I'll let USAA try again. You never know until the numbers are on the paper.


This is the winner!!!!","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-16T05:24:10.000-08:00","lastPublishTime":"2018-02-16T05:24:10.000-08:00","metrics":{"__typename":"MessageMetrics","views":614},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901586","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"Rank:rank:40":{"__typename":"Rank","id":"rank:40","position":31,"name":"Explorer III","color":"333333","icon":null,"rankStyle":"TEXT"},"User:user:2972":{"__typename":"User","id":"user:2972","uid":2972,"login":"wowens79","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2015-01-05T11:10:51.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-9.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:40"},"entityType":"USER","eventPath":"community:feyqc97479/user:2972"},"ModerationData:moderation_data:2901585":{"__typename":"ModerationData","id":"moderation_data:2901585","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901585":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:2972"},"id":"message:2901585","revisionNum":1,"uid":2901585,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901585"},"body":"I got prices via TrueCar and Sam's Club, but when I emailed the dealer directly I got a price about $1000 cheaper than the other methods. It was even from the same dealer.

After that, I see the services as a good place to get a starting point price, but know that you can do better on your own.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-16T05:04:00.000-08:00","lastPublishTime":"2018-02-16T05:04:00.000-08:00","metrics":{"__typename":"MessageMetrics","views":615},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901585","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:255844":{"__typename":"User","id":"user:255844","uid":255844,"login":"JALLEN4","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2003-10-02T10:59:44.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-9.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:255844"},"ModerationData:moderation_data:2901584":{"__typename":"ModerationData","id":"moderation_data:2901584","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901584":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:255844"},"id":"message:2901584","revisionNum":1,"uid":2901584,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901584"},"body":"
BurbMan wrote:
Most dealers will give you a better price on the vehicle if you also finance with them since they get paid by the lender too. In that case, finance thru the dealer, wait 60 days and then re-finance with USAA and get the low rate then. The only one who gets screwed there is the dealer's lender.


The dealer would get a chargeback normally in that situation. There are some agreements where the dealer is not charged back but they receive much less from the lender to begin with.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-16T03:55:54.000-08:00","lastPublishTime":"2018-02-16T03:55:54.000-08:00","metrics":{"__typename":"MessageMetrics","views":614},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901584","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:380555":{"__typename":"User","id":"user:380555","uid":380555,"login":"Nunyadamn","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2008-12-09T18:37:05.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-8.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:380555"},"ModerationData:moderation_data:2901583":{"__typename":"ModerationData","id":"moderation_data:2901583","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901583":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:380555"},"id":"message:2901583","revisionNum":1,"uid":2901583,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901583"},"body":"
BurbMan wrote:
Most dealers will give you a better price on the vehicle if you also finance with them since they get paid by the lender too. In that case, finance thru the dealer, wait 60 days and then re-finance with USAA and get the low rate then. The only one who gets screwed there is the dealer's lender.


Only wait 60 days if you want to pay interest for 60 days.

I too have USAA for everything - except when I bought my truck, Navy Federal had better rates. Then I wanted to refinance the house - Navy Federal again had better rates (and will refinance up to 100% of the value of the house where USAA will only do 90% - I didn't go to 100% but that was nice to know).

When I bought my truck, I also used the x-plan through my work. I got more discounts by using the x-plan at the dealer and financing through the dealer. Then 1 week later I refinanced through Navy Federal. I would have done it sooner than a week but it took that long for Ford to get me in their system. It's their system, use it to your advantage.

I went away from Navy Federal a long time ago - so long ago I don't remember why. Also, don't forget about PenFed. They usually have really good rates too.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2018-02-15T10:06:44.000-08:00","lastPublishTime":"2018-02-15T10:06:44.000-08:00","metrics":{"__typename":"MessageMetrics","views":613},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2901575/message:2901583","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:1646":{"__typename":"User","id":"user:1646","uid":1646,"login":"pigman1","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2004-06-28T14:03:31.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-6.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:1646"},"ModerationData:moderation_data:2901582":{"__typename":"ModerationData","id":"moderation_data:2901582","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2901582":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:1646"},"id":"message:2901582","revisionNum":1,"uid":2901582,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2901575"},"conversation":{"__ref":"Conversation:conversation:2901575"},"subject":"Re: USAA car buying service?","moderationData":{"__ref":"ModerationData:moderation_data:2901582"},"body":"When you are buying a car (new or used) you are really involved in three negotiations. First is the price of the car. Who will give you the best deal. Second is the price they will pay for your trade in. Can you do better selling it privately and is it worth your trouble. Third is the price of the financing. Interest rate, down payment and length of financing. Finally, if you have the ability to pay cash for the car, what interest are you foregoing to pay cash. Get all the figures and find what works best for you. I've been a USAA member since 1963 and have used them for financing multiple times, but for the car I just bought, they couldn't come close. Dealer financing was the way I went this time, but next time I'll let USAA try again. 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