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 


    Cardrates.com Editor's Best for Car Loans in PA


    Ready to get started? Just provide a little info and our Auto Buying Concierge team will be ready to roll. 

    *Required information

    STEPHANE'S STORY

    Stephane Voltaire, a former college athlete, knows that having a strong team behind you can make all the difference. When it was time to buy a new car, he turned to Ardent Auto Buying Concierge Steve Roberts for guidance. Steve coached him through the negotiating process and helped Stephane score the car he wanted at a winning price.

    Pete and Steve smiling

    MEET OUR CAR GUYS

    Our concierges are not bots or sales reps. They are former dealership insiders who now work for you.

    With years of experience between them, Pete and Steve know the auto industry inside and out, from reliable models to negotiating tactics that really work. They’ve studied the dealership playbook, so you don’t have to. Just bring your questions and your wish list, and they’ll help you unlock your best deal.

    Avoid fumbling your next car purchase by putting Pete and Steve on your team.

    FAQs

    A concierge is someone who uses their expertise to make your life easier. In our case, that means car experts who use their dealership experience to help you make smart car-buying decisions.
    If that sounds a little bougie, that’s because it is. But it’s also just what comes with being an Ardent member. Free access to services like Auto Buying Concierge.
     
    Buying a car is a big purchase. And it’s one of the first big purchases most of us ever make. But even veteran buyers can get blitzed by high prices or a car that’s not right for them. 
    Before you head to the lot, you want to have someone on your team who has played the game before. Our Auto Buying Concierges are seasoned industry pros. With years of practice, they know the playbook and how to spot sales tactics.
    Rookie or not, you probably don’t know what you don’t know about buying a car. That’s why it pays to have an Auto Buying Concierge helping you run the right play.
     
    Nothing. Auto Buying Concierge is free to Ardent members. And joining Ardent is easy. Learn more here.
    As real as it gets. Pete and Steve are seasoned pros who managed service and sales at some of the Philly area’s biggest dealerships. Then, we hired them to use that insider knowledge to help Ardent members find the right car at the right price. Need more proof? Hear them in action on the Ardent Exchange podcast.
    Nope! Our experts are here to support you on your car buying journey without pressure or sales tactics.
    Check our current loan rates for new and used cars on our Rates Page.

    I'm very pleased with the service. Steve made my car purchasing anxiety better. He was always available he was there from the beginning to the end until I drove off of the Nissan dealership with my brand new Nissan Rogue. Thank you, Ardent Team!

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    I worked with Pete, who did all the heavy lifting in identifying and negotiating the best deals on two different Mazda vehicles. I was able to use the offers Pete obtained to secure a deal with the Mazda dealership I’d previously worked with to negotiate an even better deal than they’d previously offered me personally.

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    Five stars for Pete. In many ways he was a sword as well as a shield in the car buying process. Pete's the reason this was the easiest time I've had buying a car.

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    I used Peter’s suggestions when visiting dealers and doing test drives.  I felt much more informed and confident about this purchase than I would have been if I went in by myself to purchase a car. 

    -

    Tools & Resources

    Auto Calculator

    Find out how much car you can afford.

    Learn More

    GAP Insurance

    Bridge the gap between your loan balance and your vehicle's value

    Learn More

    Extended Warranty

    Comprehensive mechanical breakdown coverage for all cars. 

    Learn More

    Auto Insurance

    Avoid overpaying. Our agents show leading carriers for you.

    Learn More

    Auto Loan Rates

    Auto Loan Rates

    Rates effective starting: September 8, 2026

    Product1 APR (as low as)2 Maximum Term Monthly Cost
    New Auto 4.99% 48 months $23.03
    New Auto 4.99% 66 months $17.36
    New Auto 5.24% 75 months $15.67
    New Auto 5.99% 84 months3 $14.61
    Used Auto (2015 or newer) 4.99% 48 months $23.03
    Used Auto (2017 or newer) 4.99% 66 months $17.36
    Used Auto (2018 or newer) 5.24% 75 months $15.67
    Used Auto (2021 or newer) 5.99% 84 months3 $14.61
    First-Time Buyer Auto Loan4 5.74% 75 months $15.90
    Classic Auto 7.49% 60 months $20.04

    1A new vehicle is defined as 2025 or newer model year with 5,000 miles or less. A used vehicle is defined as any model year with over 5,000 miles. Used car value determined by using the current NADA retail book value; new car value determined by using MSRP. Monthly payment example of $302.44 or $20.17 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 4.99% Annual Percentage Rate.

    2APR = Annual Percentage Rate. 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. Auto Loans are not available in Puerto Rico. 

    3$25,000 minimum required.

    4$30,000 max loan amount. Age 18 or older. No prior auto or mortgage loan history. Limited to vehicles 2016 or new and up to 100,000 miles.