Auto Buying Service

Get the deals without the leg work with the
free Patelco Auto Buying Service.

Rates as low as 1.99% APR1 Calculate my payment > Apply or get Pre-Approved

Let the Patelco Auto Buying Service experts do the work of finding the new or used car of your dreams. They will find the car you want at a great price, all without you having to set foot in the dealership—and it’s free!

Sign up for the free Patelco Auto Buying Service and we’ll:

  • Search hundreds of dealers for just about any new or used make or model
  • Save you hours from going to the dealership or the finance office
  • Negotiate the best price for you
  • Find you exactly the car you want
  • In most cases, deliver it right to your door!
Request a Vehicle                  Frequently asked questions

It’s fast, hassle-free, and you’ll save a bundle on the cost of your vehicle and your loan.

Here’s how it works:

  1. Tell us what vehicle you’re looking for
  2. We’ll find it for you and negotiate the best possible price
  3. You’ll get your car in as little as 48 hours and in most cases delivered right to you

And if it’s not exactly as ordered? We’ll take it back and make sure you get exactly what you’re looking for, free of charge

Patelco Auto Buying Service provided by Member’s Advantage Plus, a California licensed dealer. Available for California residents only. All new cars arranged for sale are subject to price and availability from the selling franchised new car dealer. Standard credit guidelines apply for lending.

What is the Patelco Auto Buying Service?

The free Patelco Auto Buying Service connects you with a team of industry experts and over 500 auto dealers to help you find the new or used vehicle (up to six model years old) of your choice, without you having to visit a single dealership or haggle for the best price. We'll get you the car you want, do all the negotiating for you, and in most cases we'll deliver it right to your home or office.

How do I contact a Patelco auto buying expert?

You can reach us toll-free at 800.757.2706, via email at, or request a vehicle online at

What are the advantages of using this service over buying direct from the dealer?

The biggest advantage is the time and energy you’ll save by not having to do all the legwork to find the vehicle you want. No more driving around town, flipping through newspapers, tireless Internet searches, or getting stuck at the dealer finance office. We do all the work for you – for free. Plus, you save on the cost of your vehicle, and your auto loan rate when you finance with Patelco.

What is the cost?

The Patelco Auto Buying Service is free for Patelco members – It’s the dealerships that pay to be part of the service.

Is the Patelco Auto Buying Service only available to Patelco members?

Yes – This service is only available to Patelco members. If you’re not yet a member, we encourage you to apply so you can take advantage of this exclusive service.

How long does the process take?

Whether you place your vehicle request by phone or online, you’ll get a quote within 24 hours, and in most cases, you’ll have your car within 2 business days.

Can I trade in my current vehicle?

Absolutely! Just give us a call and we’ll help you determine the value of your trade based on market conditions and the condition of your vehicle, advantages and disadvantages of selling privately, and compare trade-in values for your vehicle among multiple dealers so you can get the highest amount for your trade.

Will I sign all the paperwork at the dealership or can I have it delivered?

If your vehicle is delivered to you, the dealer will print the paperwork in advance and deliver it with the vehicle. Before you sign anything, you will have an opportunity to inspect, test drive, and review the operating features. Only when you’re satisfied with it, will you complete the paperwork. If you pick up the vehicle from the dealership, you can complete your transaction at the time of pick-up.

Do I have to finance my vehicle with Patelco to use the service?

Because the service itself does not provide financing options, you must choose to either finance the vehicle with Patelco or pay cash.

How will the dealership receive payment?

Once you receive your vehicle, your loan officer will complete your loan and we will mail the check to the dealer for you.

Will I be able to use an Auto Equity Loan if I use the service?

Yes. If you live in California, all you have to do is advise your loan representative that you would like your loan to be an Auto Equity Loan.

Does the Patelco Auto Buying Service come with Mechanical Breakdown Insurance (MBI) or Guaranteed Auto Protection (GAP)?

No, however you can sign up for these services separately.

What if I’m unhappy with my purchase? Are there any guarantees?

There is no “cooling off” period once you have signed for and accepted the vehicle. However, we will take all the steps to make sure your vehicle selection meets your needs -- From reviewing warranty options, providing car ratings by the EPA, Consumer Reports, and Intellichoice data, and giving you the opportunity to test drive and fully inspect the vehicle before signing the paperwork. We also locate new and used vehicles up to six model years old, so you will almost always have the ability to purchase an extended warranty, as many vehicles still have the remaining factory warranty, and some are even factory certified. We only contract with and shop at franchised dealerships.

What if the vehicle I purchase is delivered, and it’s damaged or not what I ordered?

No worries. If, when your vehicle is delivered, it isn’t exactly what you wanted, just tell the driver to turn around and go back to the dealership. We’ll keep looking and work with them on your behalf until we find exactly what you want.

Will my loan go through CUDL?

No. You will be working with us and only us throughout the entire will process. And because the vehicles are delivered to you in most cases, you won’t even have to deal with the finance department at the dealership.