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.

Ductape wrote:Check out CostCo too.No pre-owned vehicles at Costco like OP is looking for.

Iraqvet05 wrote: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.As a 36 year USAA member, I have used them for at least three car loans. Never once was I told I had to buy from and "approved" dealer. I just found the vehicles I wanted and applied for the loan. The rates are great - especially if you use the auto-pay function from your USAA checking account.Rob

Never used a car buying service, but had a number of loans with them and checked into the buying service a while back. If you only get a loan, it doesn't matter where you buy it from. If you are going to use the car-buying serve, then you do have to go with the dealer they select, but it shouldn't really matter who you buy from since USAA is negotiating the deal. You are just paying the bottom line.

The car buying service (True Car) will get you an additional fraction of the APR off, but in no means is required to get a loan from USAA. I just fill out the online loan application, print out an electronic check for the dealer and go sign the papers. Only problem I have had is a dealer that didn't know what to do with the e-check. (The instructions are printed on it!)

USAA car buying service? | Good Sam Community

BurbMan
Explorer II
Feb 15, 2018
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.
moresmoke
Explorer
Feb 15, 2018
The car buying service (True Car) will get you an additional fraction of the APR off, but in no means is required to get a loan from USAA. I just fill out the online loan application, print out an electronic check for the dealer and go sign the papers. Only problem I have had is a dealer that didn't know what to do with the e-check. (The instructions are printed on it!)
p220sigman
Explorer
Feb 15, 2018
Never used a car buying service, but had a number of loans with them and checked into the buying service a while back. If you only get a loan, it doesn't matter where you buy it from. If you are going to use the car-buying serve, then you do have to go with the dealer they select, but it shouldn't really matter who you buy from since USAA is negotiating the deal. You are just paying the bottom line.
Second_Chance
Explorer II
Feb 14, 2018
Iraqvet05 wrote:
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.

As a 36 year USAA member, I have used them for at least three car loans. Never once was I told I had to buy from and "approved" dealer. I just found the vehicles I wanted and applied for the loan. The rates are great - especially if you use the auto-pay function from your USAA checking account.

Rob
BurbMan
Explorer II
Feb 14, 2018
Ductape wrote:
Check out CostCo too.

No pre-owned vehicles at Costco like OP is looking for.
Ductape
Explorer
Feb 14, 2018
Check out CostCo too.

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