This article was sponsored by Navy Federal Credit Union. Navy Federal Credit Union is federally insured by NCUA.
Buying a car isn’t what it used to be. Thanks to ongoing tariffs, global supply chain issues, and inflation, the auto market has become a difficult terrain for anyone to navigate, especially for military families already juggling deployments, PCS orders, and tight financial planning. Vehicle prices are on the rise, inventory can be limited, and finding a fair price takes more research and preparation than ever. Plus, what was good advice a month ago might not be the best advice now, as the car-buying scene appears to change from week to week.
So what’s a smart military family to do?
The answer isn’t to wait for the perfect market—it may never come. In fact, times like these can be more uncertain than ever. Instead, the best strategy is to focus on where you can save, and that starts with your financing.
1. Finance with a lender who understands military life
First and foremost, when choosing to finance a vehicle, military families need financial flexibility, especially when dealing with unpredictable orders, deployments, or frequent moves. A really smart move would be to finance with a lender who understands that.
A lender like Navy Federal Credit Union not only offers competitive auto loan rates, flexible terms, and military-friendly service that makes car buying easier and more affordable, but you can also use their Car Buying Service, powered by TrueCar®1.
The next step before you set off for the dealership is to ensure you get preapproved, which helps you shop with confidence and stay within your budget. Plus, Navy Federal often offers special promotions and tools that can connect you to upfront pricing and reliable dealers.
Finally, be sure to do your research before even setting eyes on any vehicle to make sure you’re getting the absolute best deal possible.
2. Decide between new and used, based on your lifestyle
When choosing between a new or used car, consider your current and future needs. A new vehicle may offer peace of mind with a full warranty and the latest safety features, which can be helpful for long commutes or frequent travel. On the other hand, a well-maintained used vehicle can offer major savings up front, especially if you don’t plan to keep the car for many years due to upcoming PCS moves.
Tip: If you’re considering a used vehicle, look for certified pre-owned (CPO) models, which undergo thorough inspections and come with extended warranties. It’s a great way to strike a balance between reliability and cost.
3. Shop with confidence using upfront pricing
Let’s face it—negotiating at the dealership can be stressful. When it comes to buying a car, having clear information up front can make all the difference. That’s why many buyers are turning to tools that offer greater transparency and help them feel more in control of the process. This can save you time, reduce pressure, and help you stay within your pre-approved loan amount.
Navy Federal’s Car Buying Service, powered by TrueCar connects you with trusted dealers offering transparent, upfront pricing, so you know you’re getting a fair deal without the back-and-forth.
4. Maximize your trade-in
If you’re planning to trade in your current vehicle, do a little prep work first. Clean it inside and out, gather maintenance records, and use online tools (such as Kelley Blue Book® or TrueCar) to estimate its trade-in value2 or determine how much you could sell it for yourself if you want to maximize your return. Getting a few quotes from different dealerships can also help ensure you’re getting top dollar.
Bonus tip: Trading in your car at the same place where you’re buying your new one can simplify the paperwork and save on taxes in some states. Sometimes, you may choose convenience over selling it yourself.
5. Know your timeline and shop smart around it
If you’re heading into a deployment or a PCS move, time your car purchase accordingly. Buying too early might mean extra hassle with registration and insurance across state lines. Buying too late could leave you scrambling. Shopping online in advancewith tools like Navy Federal’s Car Buying Service, powered by TrueCar can help you search inventory, compare prices, and even lock in deals before setting foot on a lot.
Buying a car during military life doesn’t have to be complicated. With a little planning—and the right support system—you can find a vehicle that fits your lifestyle and your budget. Whether you’re buying new or used, trading in, or shopping online, Navy Federal Credit Union is here to help you every step of the way with our great rates, flexible service, and tools designed just for military families.
This content is intended to provide general information and shouldn’t be considered legal, tax or financial advice. It’s always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.
1 TrueCar operates the Navy Federal Car Buying Service. Navy Federal is not responsible for any offer, purchase, lease or service provided by or through the Navy Federal Car Buying Service.
2 Terms and conditions apply and are available at the Car Buying Service website, hosted by TrueCar.