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Car buying online vs. at a dealership Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct your own research and compare data for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are advertised on this site come from companies that compensate us. This compensation could affect how and when products are featured on this site, including, for example, the order in which they may be displayed within the listing categories in the event that they are not permitted by law for our mortgage home equity, mortgage and other home lending products. This compensation, however, does affect the content we publish or the reviews appear on this website. We do not cover the vast array of companies or financial offers that may be open to you.



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6 min read . Published 28th October 2022
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the details of taking out loans to buy the car they want.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to control their finances through providing concise, well-studied and well-researched content that break down complex topics into manageable bites.









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There are money-related questions. Bankrate can help. Our experts have been helping you manage your money for more than four decades. We are constantly striving to provide our readers with the professional guidance and the tools necessary to succeed throughout life's financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our information is trustworthy and precise. Our award-winning editors and journalists provide honest and trustworthy content that will help you make the right financial choices. The content we create by our editorial team is factual, objective, and not influenced through our sponsors. We're honest regarding how we're in a position to provide quality content, competitive rates and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and, services, or through you clicking certain links posted on our site. So, this compensation can impact how, where and in what order products appear within listing categories, except where prohibited by law. We also offer mortgage, home equity and other products for home loans. Other factors, like our own rules for our website and whether the product is offered in your area or at your personal credit score could also affect the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include details about every credit or financial product or service.



Should I buy my new car online or from a dealership?
It's all about the kind of experience you want. If you prefer personal interaction dealers are the best option for you. However, if you'd prefer to make purchases from the comfort of home choose shopping online.


The past was when car buying required a trip to your local dealership and choosing the next car from the selection on the lot. However, now you can purchase cars at the convenience of their own homes -- and in some cases , have the vehicles delivered. Both buying options come with benefits and drawbacks. Online buying comes with convenience, while dealerships allow for negotiations. Consider which is best for you before starting the process of shopping. Car buying online or at a dealership. dealerships Online
Traditional dealership
Benefits
* More vehicle options Easier to compare vehicles * Friendly customer service
* Price ranges that are more flexible Manufacturer incentives * Expert guidance
Negatives
* No test drive * No negotiation * Potential extra fees
* Larger time commitment * More difficult to leave Fewer vehicle options
Bravo...
The driver who enjoys shopping at home and would prefer to avoid any pressure from sales associates.
A driver who is comfortable in negotiations and prefers the personal connection that comes with working with a dealership.
What to watch out for
If you buy a car sight-unseen, it can be an additional risk, so do some research on models to ensure you're getting a good vehicle.
and inflated financing could undo all of your hard negotiation. The pressure of additional demands can force you into a car that isn't the right fit.
The purchase of a car online the period of the pandemic, local dealerships started to offer alternatives. The customers were able to see the cars available within the region before heading out to the lot. Although it is a good option to shop on the internet, it does require a visit to the dealership. Other, more seamless shopping routes have become popular since local dealerships have shifted to online shopping due to the sheer need. Online stores like CarMax, Shift and -to name some enable drivers to shop, and even arrange pickup or delivery from their homes. Benefits of purchasing cars online The major advantages of purchasing the next vehicle online comes down to ease of purchase and online customer support. There are more options for vehicles at local dealerships. are restricted to what is available in the area, and with remaining supply chain issues the availability is even less. Buying from an online seller provides a wider selection of cars to shop from. You can also filter for particular models, brands and prices - without the stress of a salesperson on your shoulder. Easy to compare vehicles more vehicles available, comparison is the key to . No matter how many notes you take it's difficult to truly compare two vehicles on a dealer lot in a side-by-side comparison. On the internet you can check out the features and accompanying costs of all the cars that you're considering. Attentive customer service While shopping at home eliminates the need for face-to-face support, online shopping can still provide excellent customer service -- depending on the business you deal with. Many online sellers, like Carvana, for example provide a chat feature which allows drivers to inquire about specific issues throughout the buying process. The disadvantages of buying an automobile online While purchasing a car online comes with the benefits and convenience of shopping at your own your home, there are significant negatives to take into consideration. No test drive When shopping online you won't be able to see the vehicle in person until the moment you sign on the dotted line. In the absence of a try it out, you may buy a vehicle that isn't perfect. When you're online shopping for a car, look for sellers that provide a return policy such as a seven-day return time -- so you don't end up with a car you don't want. No negotiation Most online vehicle websites offer no-hassle prices. For those who are tired of , this can be positive. It also means there is no wiggle room on the cost. When shopping at traditional dealers, it's likely you can cut the price by bargaining, but when you shop on the internet, the advertised price is the price you pay. Additional fees that could be charged are unavoidable in the context of car buying, shopping online is likely to come with a few additional costs. If you decide to have your vehicle delivered, for instance it will be required to pay an additional cost up to $1000 or more on marketplaces like Vroom as well as other handling charges which are usually eliminated when you deal with an agent. When buying a car from the dealership Visiting your local car dealer is the most obvious option when it comes to a new or used vehicle. Dealerships specialize in certain vehicle price, brands, and models. However, these establishments may have a negative reputation, so it is wise to research before making a decision. Buying a car today also requires some due to the current price of new cars, caused by supply chain issues and . Which, unfortunately, aren't predicted to be at normal levels until 2023's spring. With all this said you should be prepared to pay an extra amount of when you buy the brand new car directly from an auto dealer. Advantages to buying a car from a dealer Choosing the traditional route provides drivers with an opportunity to get the most competitive price as well as the expert guidance of a salesperson. Prices that are more flexible. While the differs from what you may find advertised on the car window, it is likely that with negotiating skills, you can cut down the price of the car. This is not a benefit for those who shop at home. Manufacturer incentives Dealerships often offer buyers promotional finance options or additional rebates provided by manufacturers to help sweeten the purchase from them. Although not all options are identical, many of them are a great way to increase your down payment or afford you . Expert advice Nothing compares to the personalized guidance that a sales associate familiar with the market can offer. This is particularly true when you are looking at the latest options for your vehicle, such as . With all the bells and whistles automobiles are now with, it may be helpful to get someone to walk you through the process. Advantages of buying a car in a dealership The amount of duration of buying an automobile can be a large time commitment, and can cause anxiety for those who aren't savvy buyers So, consider the pros and cons of purchasing from a dealer. Larger time commitment When buying online you can close your laptop and have your car delivered as soon as the next morning, but buying at a dealer isn't usually as effortless. It is necessary to carve the time to go to the dealership and walk around the lot to look at different options, and finally meet with the salesperson. The entire process is stressful and often result in you not having your dream car. Harder to walk away While salespeople are available to help you with your car buying journey and being with someone at your side during the whole process isn't easy if you are at a crossroads. This can make walking away from a deal especially hard. Unless you are a strict shopper who is prepared to refuse, think about the ease of the ability to shut down the website as well as "walk away" while shopping online. Fewer vehicle options Comparatively, dealerships sell fewer cars than online retailers. Most dealerships offer a specific vehicle brand. If, for instance you've got your sights set on a Nissan but only have one Ford dealer nearby, shopping online is the best method to look into other possibilities. What can you do to get the most bargain no matter where you shop. No matter where you decide to purchase your next car there are a few fundamental guidelines to follow in order to drive on the road with the best price possible. Be sure to stick to your budget. Cost should be the primary goal when buying a new car, but consider a car loan to get a better understanding of your monthly costs. In addition, you should think about all the costs associated with ownership -- maintenance and included. Apply in for loan prequalification. Check out lenders that provide prequalification, which is an excellent way to lock in expected monthly payments and make sure you have enough money to pay for your car before signing off. Shop for the entire amount, not the monthly installment. The , the lower your monthly installment may be, but it's not always the best option because you might incur more interest over the long term. Know the credit rating of your. It is the primary determinant of your ability to pay off your loan. Knowing this can put you in better position to know whether you're receiving fair rates. Explore the market. Shopping around is not only essential when it comes to vehicles but also key to obtaining the most suitable loan. It is advised to do this prior to agreeing to one. Utilize the car purchasing apps. Make the most of technology by using , on and off the lot of the dealer. These apps allow users to compare cars and provide real-time estimates of price. Bankrate tip
If you want the most desirable of both, consider talking to your local dealership over email in advance. Mention what you're interested in along with your timeline for purchase. You can also inquire about incentives available.


The goal is a satisfying and stress-free experience. Therefore, the decision of whether to go online or through a dealership depends on what is best suited to your requirements. If you'd rather the assistance of a dependable sales representative and prefer to go with the traditional method. However, if the thought dealerships causes more fear than excitement, you might want to consider the seamless online process.


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of using loans to buy the car they want.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers to control their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.






Auto loans editor




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