This article was sponsored by Navy Federal Credit Union. Navy Federal Credit Union is federally insured by NCUA.
For military families, buying a new car isn’t always a simple decision. Between frequent PCSing, unexpected deployments and a constantly changing market, timing your next vehicle purchase takes a bit of strategic planning.
Whether you’re in need of a reliable vehicle for your growing family, a fuel-efficient commuter for your next duty station or a second car to keep things running smoothly at home, knowing when—and how—to buy can save you stress, time and money.
Here are a few things military families should consider before buying a car:
1. PCSing: Where are you headed next?
If you have an upcoming PCS, it’s important to consider how your next duty station might impact your vehicle needs. Will you be moving to a city with public transportation? Will your new location have rough terrain or harsh winters? Is your current car capable of making the cross-country trek—or the overseas shipment? Buying a new car before a PCS might make sense if your current vehicle can’t handle the journey or doesn’t fit the needs of your new location.
2. Deployment schedules: Who will be using the car?
If a deployment is on the horizon, consider who will be driving the vehicle in your absence. Is your spouse or family member comfortable with the size and features of the car you’re eyeing? Will the car mostly sit idle, or will it be in daily use? In some cases, holding off on a new purchase until after a deployment can give you more flexibility—especially if you want to test drive, compare options or take advantage of changing market conditions.
3. Market trends: Is it a good time to buy?
Over the past few years, the car market has seen major fluctuations in inventory, interest rates, and pricing. While interest rates are still on the higher side, military buyers may have access to special financing offers through credit unions like Navy Federal1, which can make buying more affordable.
4. Long-term reliability and cost of ownership
Military families move often and need vehicles that can keep up. Look for cars with a reputation for reliability, good fuel economy and affordable maintenance costs. Consider total ownership costs, including insurance (especially if you’re insuring from a new ZIP code), registration fees and potential resale value—particularly if you may be selling before your next move.
How Navy Federal and TrueCar can make car buying easier:
Military life can be unpredictable, but car shopping doesn’t have to be. Navy Federal Credit Union offers a streamlined car buying experience through their Car Buying Service, powered by TrueCar®2. Members can browse thousands of new and used vehicles online, compare prices and see what others in their area paid3—right from the comfort of home or wherever duty takes them.
With Navy Federal’s preapproval process, you could get financing before you shop1, helping you stay within budget and avoid dealership pressure. Plus, eligible military members who purchase with a TrueCar Certified Dealer4 may qualify for exclusive benefits, such as auto deductible and repair expense reimbursement through the TrueCar Military Appreciation Package.5
So, should you buy now?
The answer depends on your unique situation. If your current vehicle is no longer reliable, doesn’t fit your lifestyle or won’t make the move to your next duty station, it may be a smart time to start looking. However, if a deployment is coming up or if your PCS details are still uncertain, waiting a few months might give you better clarity and flexibility.
No matter where you are in your military journey, having a plan—and a trustworthy support system—makes all the difference. Navy Federal and TrueCar are here to help you navigate the road ahead, with resources designed specifically for military life.
1 Credit and collateral subject to approval.
2 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.
3 TrueCar provides a market average for cars like the one you want, based on actual recent transactions by other buyers. Additional information regarding the calculation of TrueCar’s Market Averages is available at navyfederal.truecar.com
4 TrueCar Certified Dealers are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program
5 Benefits not available in all states. Additional terms, conditions, and limitations apply and are available at the linked Car Buying Service website, hosted by TrueCar.