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Shopping for a car today offers more options than ever before. Whether you prefer browsing from your couch or walking a dealership lot, both online and in-person car buying can have their advantages and challenges. Understanding the differences can help you choose the path that fits your lifestyle, comfort level and budget.
Online or In-Person? You Don’t Have to Choose Just One
Car buying doesn’t have to be all or nothing. Many buyers today use a hybrid approach, starting their search online to compare models and prices, then visiting a dealership to test drive and finalize the deal. Others prefer the full in-person experience, while some complete the entire process online, including delivery.
The key is to choose the method that gives you the confidence and convenience you need.
What to Expect When Buying Online
Online car buying platforms allow you to browse inventory, compare prices and even arrange financing—all from your computer or phone. Some sellers offer home delivery and return policies, while others may require a visit toa retail location for a test drive or final paperwork.
Before committing to an online purchase, be sure to understand the seller’s policies, including:
- Delivery fees or service charges
- Return or satisfaction guarantees
- Insurance requirements before delivery
- Delivery timelines
- What happens if you decline the vehicle upon delivery
What to Expect When Buying In Person
Buying a car at a dealership gives you the chance to see, touch and test drive the vehicle before making a decision. You can ask questions in real time, negotiate face-to-face and often drive away the same day.
Dealerships may also offer exclusive promotions, trade-in evaluations and personalized service that’s harder to replicate online. Plus, you can build a relationship with a local team that’s there to support you after the sale.
Negotiating Power: Online vs. In Person
Some online sellers offer fixed pricing, which can simplify the process but limit your ability to negotiate. In contrast, dealerships often allow more room for discussion, especially if you’ve done your homework and come prepared with competitive offers.
Tip: Use online pricing as a benchmark when visiting a dealership. It can help you understand market value and strengthen your negotiating position.
Do Your Homework No Matter Where You Shop
Whether you’re buying online or in person, it’s important to research the seller. Look for reviews, ratings and customer feedback. Are buyers satisfied with their experience? Do they mention helpful service, fair pricing or smooth delivery?
A little research can go a long way in helping you avoid surprises.
Financing Your Purchase
Online sellers often offer financing, but it may not be your best option. Getting preapproved for an auto loan gives you more control and flexibility.
Consumers offers competitive rates and personalized service to help you finance your next vehicle with confidence. Whether you’re buying online or at a dealership, we’ll work with the seller to make the process smooth and stress-free. Contact us today at 800.991.2221 for all of your lending needs.
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All loans subject to approval. Rates, terms, and conditions are subject to change may vary based on credit worthiness, qualifications, and collateral conditions.
Get a free quote on insurance
As a Consumers member, you can save money with group insurance discounts through Nulty Insurance. Discounts are available on both auto and homeowner’s insurance.