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Car Buying Service

TRUECar is car buying made easy!

The Democracy Federal Credit Union Car Buying Service Powered by TrueCar makes car buying simple. There's no charge for the service or ever any obligation. Your information will only be shared with the dealers you select. With the TruePrice by TRUECar® save an average of $3,552* on vehicles purchased using the car buying service.

Have the dealers come to you and get the special TruePrice for your auto. With a national network of more than 16,000 dealers (representing just under 20% of all franchised dealers) competing for your business, you can expect to pay the price you want not settle for the price that is offered. You can shop both new and used autos to find your perfect deal. You can even get the value on your current car.

Skip the Dealership: Buy from Home with Home Delivery

Handle all aspects of your vehicle purchase without ever needing to go into the dealership. Have your vehicle delivered to you and complete your paperwork at home.

  • Have your vehicle delivered to you
  • Start your paperwork online; complete it at home
  • Enhanced sanitization and safety precautions

Look for the Buy From Home badge when choosing dealerships to connect with.

Here’s how the buying process works

  1. Visit the Member Showroom. Research a new car based on your preferences or search thousands of pre-owned inventory and see dealer-guaranteed prices.
  2. Print your Guaranteed Savings Certificate featuring a summary of your car with your Guaranteed Savings. The Certificate will also include the information for your dealer contact, so you can arrange a test drive and confirm availability. You are never under any obligation to purchase.
  3. Present your Guaranteed Savings Certificate to your dealer for an easy and hassle-free car buying experience.
  4. Get pre-approved for your car loan and make your car buying experience easier.

The Democracy Car Buying Service puts the power back in your hands to get the best deal possible.

TrueCar Trade

TrueCar Trade offers real-time value updates throughout the process and ends with a True Cash Offer™ backed by a check. These offers are guaranteed, pending a confirmation appointment.

Here’s how the trade process works

  • Begin the process by either submitting a license plate number or VIN
    • Member can also receive an estimated range by submitting basic vehicle information
  • Member is then asked a series of questions about their vehicle to determine an accurate True Cash Offer™
    • Color, Options, Mileage, Condition, etc.
  • Member is then provided with a breakdown of their True Cash Offer™ as well as the option for how they would like to be contacted by a Certified Dealer (email/phone/both).
    • This True Cash Offer™ is valid for 3 days and subject to inspection by the dealer

*Average Savings represents the average amount of savings off of MSRP presented to users by Certified Dealers based on user-configured new vehicles. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable manufacturer incentives. The Manufacturers Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealers trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer.