Navy Federal Car Buying Service gives Navy Federal members dealer price offers through TrueCar. The Broker Black is not a broker: participating dealerships publish their prices up front.
The Broker Black is not a licensed motor vehicle dealer or broker and does not act as a broker in any way. Participating dealerships sell and lease every vehicle and complete each purchase directly with you.
The Navy Federal Car Buying Service is an online car shopping service for Navy Federal members that is powered by TrueCar (navyfederal.org, as of October 2026). TrueCar operates the service, and Navy Federal states it is not responsible for any offer, purchase, lease, or service provided by or through it (navyfederal.org, as of October 2026). The Broker Black is launching in Arizona. Where a participating dealership serves your area, it shows that dealership's new cars as a loan, a lease (monthly, one-pay, or with deposits), and a cash purchase, with the taxes and fees for your city, before you talk to anyone. The Broker Black is not a broker, and it does not negotiate: the dealership sells or leases the car and completes the purchase directly with you.
| Navy Federal Car Buying Service | The Broker Black | |
|---|---|---|
| Model | The Navy Federal Car Buying Service is an online car shopping service for Navy Federal members that is powered by TrueCar (navyfederal.org, as of October 2026). TrueCar operates the service, and Navy Federal states it is not responsible for any offer, purchase, lease, or service provided by or through it (navyfederal.org, as of October 2026). | New-car buying platform, not a broker; the dealership publishes the price, The Broker Black prices it three ways, and the dealership sells the car to you directly |
| Who can use it | The service is offered to Navy Federal Credit Union members (navyfederal.org, as of October 2026). Navy Federal's field of membership is open to the armed forces, the DoD, veterans and their families (navyfederal.org, as of October 2026). | Launching in Arizona. Whether a car can be delivered to you depends on its dealership. |
| Who sells the car | Cars are sold by local TrueCar Certified Dealers, which are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program (navyfederal.org, as of October 2026). Shoppers can complete the purchase online with dealers that offer it, or start online and finish at the dealership (navyfederal.org, as of October 2026). | The participating dealership, which sells or leases the car and completes the purchase directly with you; The Broker Black does not negotiate |
| Where the price comes from | Shoppers get upfront price offers from local TrueCar Certified Dealers, and each dealer sets its own pricing (navyfederal.org, as of October 2026). TrueCar also provides a market average for cars like the one a shopper wants, based on actual recent transactions by other buyers (navyfederal.org, as of October 2026). | Each participating dealership's own published savings, price, and any market adjustment |
| Where you see the price | Shoppers search online on the Car Buying Service website hosted by TrueCar, see prices for actual cars nearby, and get a personalized offer from a TrueCar Certified Dealer online (navyfederal.org, as of October 2026). | Before you talk to anyone: finance, lease (monthly, one-pay, deposits), and cash with taxes and fees for your city |
| Ways to buy | The service is for shopping new or used cars (navyfederal.org, as of October 2026). Members can apply for a Navy Federal auto loan for a new or used vehicle, and Navy Federal suggests getting preapproved before shopping (navyfederal.org, as of October 2026). Some dealers allow remote paperwork and vehicle delivery, while others let shoppers start online and test drive and buy in person (navyfederal.org, as of October 2026). | New cars from participating dealerships, each priced as finance, lease (monthly, one-pay, multiple security deposits), and cash |
| What it costs | Navy Federal states the Car Buying Service costs members nothing (navyfederal.org, as of October 2026). Navy Federal receives compensation from TrueCar when members purchase vehicles through the service (navyfederal.org, as of October 2026). | Creating an account to see pricing is complimentary. A membership covers you and your household at the same address for every purchase during its term and includes an introduction to the participating dealership you choose, so you can complete your purchase directly with them. Pricing for White Level and Black Level, and the full list of what each level includes, are coming soon. |
Navy Federal states the service costs members nothing (navyfederal.org, as of October 2026). Navy Federal receives compensation from TrueCar when members purchase vehicles through the service (navyfederal.org, as of October 2026).
The service is powered and operated by TrueCar, and Navy Federal states it is not responsible for any offer, purchase, lease, or service provided through it (navyfederal.org, as of October 2026).
Some dealers let shoppers complete paperwork remotely and have the vehicle delivered, and shoppers can also start online and finish at the dealership (navyfederal.org, as of October 2026).
Yes. Nothing stops a shopper from using Navy Federal and also checking a participating dealership's published price for a new car on The Broker Black.