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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 

Request more information
Just provide a little info and our Auto Buying Concierge team will be ready to roll.


Please do not submit confidential account or personal information, such as social security, driver’s license, account or member numbers.

Auto Loan Rates

Rates effective starting: 11.28.23
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 6.24% 48 months $23.60
New Auto 6.24% 66 months $17.95
New Auto 6.49% 75 months $16.26
New Auto 7.24% 84 months3 $15.22
Used Auto (2013 or newer) 6.24% 48 months $23.60
Used Auto (2015 or newer) 6.24% 66 months $17.95
Used Auto (2016 or newer) 6.49% 75 months $16.26
Used Auto (2019 or newer) 7.24% 84 months3 $15.22
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 $299.08 or $19.94 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 4.49% 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.