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Old 07-15-2013, 01:06 PM
tev9999 tev9999 is offline
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Join Date: May 2013
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Vehicle: 2013 Ram 1500
Trim Level: Outdoorsman
Color: Maximum Steel
Engine: 2009-20?? 345ci (5.7L) Hemi V8 390hp 407lb/ft
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I just looked at the USAA car buying service and it is quite obvious that it is going through True Car. I'm not eligible for USAA, but signed up for the Pentagon Federal Credit Union to finance my Ram at 1.74%. They also hook up with True Car (penfed.truecar.com). Dealers sign up (and pay) True Car for the referral. In exchange they guarantee a certain $$ off of invoice.

In my case, True Car hooked me up with two dealers (metro Detroit) that would give me $1000 off of invoice on an Outdoorsman. I also tried zip codes in western Michigan and the discount was not nearly as good. Each dealer decides how low they are willing to go. I also had Ford F150s come back at $75 over invoice.

Those dealers didn't have any inventory I wanted, but I used the $1000 off as a baseline for my internet search. The dealer I eventually bought from was happy to honor the True Car discount - they actually save money since they dropped out of True Car and don't have to pay them any more. In the end they managed to give me $1500 off invoice, the best deal for my trade in, and somehow managed to get me the $1000 USAA rebate - I'm not sure if it was True Car or a direct mail coupon that somehow qualified me for that, but I'm not going to complain.

Anyone can join PenFed. If you don't qualify based on military service or government employment, you can pay $15-$20 to join one of their charities - that is the route I took. Probably saved me $2000.
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