Auto Buying Concierge

    The key to a better car shopping experience

    Finding a good deal on a car in today’s market is harder than you’d think. But you don't have to go it alone when it comes to researching, locating or financing your new or used car. Our one-on-one service will take care of that for you. Best of all, it's free for members.

    Our car buying experts, Steve and Pete, are former sales managers at some of the largest auto dealerships in the area. So, they know cars – and the car business – from bumper to bumper. They’ll use their insider knowledge to help you avoid all the potholes in today’s market and provide a stress-free car-buying experience. That’s how they have saved members more than $1 million to date.

    Let Steve and Pete help you with:

    • Researching cars and options
    • Evaluating buying vs. leasing
    • Taking a better test drive
    • Getting the most for your trade
    • Negotiating dos and don’ts 

    Ready to get started? Just provide a little info and our Auto Buying Concierge team will be ready to roll. 

    Tools & Resources

    Lease vs Buy

    Resources

    Auto Loan Rates

    How much car can I afford?

    Get Pre-Approved

    Do you need an extended warranty?

    Shop for Auto Insurance

    I'm very pleased with the service. Steve made my car purchasing anxiety better. He was always available he was there from the beginning to the end until I drove off of the Nissan dealership with my brand new Nissan Rogue. Thank you, Ardent Team!

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    I worked with Pete, who did all the heavy lifting in identifying and negotiating the best deals on two different Mazda vehicles. I was able to use the offers Pete obtained to secure a deal with the Mazda dealership I’d previously worked with to negotiate an even better deal than they’d previously offered me personally.

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    Five stars for Pete. In many ways he was a sword as well as a shield in the car buying process. Pete's the reason this was the easiest time I've had buying a car.

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    I used Peter’s suggestions when visiting dealers and doing test drives.  I felt much more informed and confident about this purchase than I would have been if I went in by myself to purchase a car. 

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    Steve Roberts

    From Matchbox cars as a small boy to SCCA Autocross Racing, I have always had a love for cars and people. So, it’s no surprise that I’m the car guy that I am today. A Bucks County native, I spent 15+ years as a car salesman and sales manager at one of the largest dealerships in the country. The best part about being at Ardent is I now get to save people money. 

    Peter Kuryluk

    Growing up, I spent many days at car shows and sitting in a mechanic shop watching classic muscle cars being built.  As time went on, I found myself working as a service specialist to pay my way through college.  My passion and involvement in the car industry continued as I worked my way up to sales manager.  I have always found an enjoyment in helping people with their auto needs. 

    Auto Loan Rates

    Auto Loan Rates

    Rates effective starting: April 16, 2024

    Product1 APR (as low as)2 Maximum Term Monthly Cost
    New Auto 5.74% 48 months $23.38
    New Auto 5.74% 66 months $17.71
    New Auto 5.99% 75 months $16.03
    New Auto 6.74% 84 months3 $14.97
    Used Auto (2013 or newer) 5.74% 48 months $23.38
    Used Auto (2015 or newer) 5.74% 66 months $17.71
    Used Auto (2016 or newer) 5.99% 75 months $16.03
    Used Auto (2019 or newer) 6.74% 84 months3 $14.97
    Classic Auto 7.49% 60 months $20.04
    SMART Auto 8.89% 10 years $12.62

    1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $308.43 or $20.57 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 5.74% Annual Percentage Rate.

    2APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Not everyone will qualify for the best rate. Interest rate based on borrower's credit score at the time of application. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico. 

    3$15,000 minimum required.