Navy Federal Car Buying versus CarEdge Concierge: The Differences Explained

Key Takeaways

  • CarEdge offers a white-glove car buying service, while Navy Federal may be better for qualifying credit union members
  • Consider whether you prefer pre-approved pricing at the dealership, or having a car buying service negotiate on your behalf
  • The big difference is whether you’ll complete the deal at the dealership, or have a Concierge handle it all for you

What vehicle are you interested in?

Last updated Jun 7, 2024

When it comes to purchasing a new or used vehicle, car buying services can simplify the process and get you a better deal. In this comparison, we’ll look at two popular services: Navy Federal Credit Union Car Buying Service and CarEdge Concierge’s car buying service, highlighting their key features, customer experiences, and overall value. Which is best for you? Stay tuned to find out.

Service Overview

Navy Federal Car Buying Service

navy federal car buying
  • Navy Federal Credit Union (NFCU) offers a car buying service powered by TrueCar, designed to provide a straightforward, member-friendly car purchasing experience.
  • Main Selling Points: Benefits for veterans and servicemembers, TrueCar affiliation, upfront price offers, trade-in assistance, exclusive member discounts, and competitive financing options.
  • Target Audience: Navy Federal Credit Union members seeking a convenient and budget-friendly car buying experience with the added benefits of membership.
  • Price: Free with Navy Federal Credit Union membership

CarEdge Concierge

CarEdge Car Buying Service
  • CarEdge provides a comprehensive, hands-off car buying service, handling everything from vehicle sourcing to negotiation and delivery, all from the comfort of your home.
  • Main Selling Points: Complete management of the buying process, expert negotiation, no hidden fees, transparency, and customer-centric approach. CarEdge is not paid by car dealerships, and emphasizes their independence from auto industry influence.
  • Target Audience: Consumers seeking a personalized, stress-free car buying experience with expert support.
  • Price: $999 plus shipping where applicable
FeatureNavy Federal Car Buying ServiceCarEdge Concierge
PriceFree with Navy Federal Credit Union membership$999 + shipping if applicable
Shop deals from homeYesYes
Buy at the dealershipYesNo
Home deliveryNoYes
Personalized serviceNoYes
Negotiates on your behalfNoYes
Vetted dealersYesYes
Trade-in assistanceNoYes
Extended Warranties OfferedNoYes

Customer Experience

Navy Federal Credit Union Car Buying Service

Navy Federal car buying reviews
  • Google Rating: 4.0 stars (73 reviews)
  • Common Praises: Convenience, competitive pricing, exclusive member benefits.
  • Common Complaints: Limited to TrueCar Certified Dealers, less personalized service compared to concierge services. Car buyers still deal with car dealership salespeople.
  • Customer Service: Not personalized, but general help is available through Navy Federal for questions and support.

CarEdge Concierge

Caredge Concierge reviews
  • Google Rating: 5.0 stars (1,728 reviews)
  • Common Praises: Buyers skip the dealership, effective negotiation, no hidden fees, stress-free process, home delivery.
  • Common Complaints: Higher upfront cost compared to other services. 
  • Customer Service: Comprehensive support throughout the entire process from a personal CarEdge Concierge.

Pros and Cons

There are some key differences between Navy Federal Credit Union and CarEdge car buying services, so we’ve gathered the key takeaways that differentiate each.

Navy Federal Car Buying Service Pros and Cons

Navy Federal Car Buying Service
Free with Navy Federal membershipMembership is restricted to those with ties to the armed forces
Convenient online car search and upfront pricingLimited to TrueCar Certified Dealers
No personal Concierge or customer advocate
Dealership visits required in most cases
Less personalized service

CarEdge Pros and Cons

CarEdge Car Buying Service
Skip the dealership and buy from homeHigher upfront cost
Personalized Concierge includedShipping costs vary by distance
Home delivery availableSome specialty models not serviced
Negotiates on your behalf
Independent from car dealers
Trade-in assistance
CarEdge does the work for you

In Conclusion: Which Is Better?

Navy Federal’s Car Buying Service and CarEdge Concierge both offer unique benefits, catering to different needs and preferences. Navy Federal is ideal for current credit union members or qualifying applicants looking for an affordable car buying experience with member perks. CarEdge, on the other hand, is perfect for those who desire a personalized service, want to avoid the dealership hassle, and appreciate expert negotiation done on your behalf. Simply put, CarEdge Concierge is the most hands-off car buying experience out there.

Ultimately, if you seek a budget-friendly option with member perks during vehicle ownership, Navy Federal Credit Union’s Car Buying Service is a solid choice. However, if you want the most streamlined and potentially cost-saving car buying experience with minimal effort on your part, CarEdge Car Buying Service stands out as the superior option.

Check out these helpful links below to learn more about each car buying service:

Learn more about CarEdge Concierge 

Learn more about Navy Federal Car Buying Service


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