Car buying service
Shop, compare, and buy without the haggling.
Search real listings from dealers near you, see whether the asking price is actually fair, and find out if the same vehicle is cheaper somewhere else. The tool is free, it works without an account, and it does not hand your details to a dealer while you are still looking.
- Free to use
- No account needed
- Rates as low as 4.74%
Search now
Find your next vehicle.
Pick what you are looking for and search listings near Salt Lake City. Cars, trucks, motorcycles, boats, powersports, RVs, and golf carts are all in here.
What the tool does
Research that saves you money.
Most of what makes a car deal good or bad is information you do not have standing on the lot. These tools give you that information before you go.
Price Curve
Tells you whether a listing is fairly priced against comparable vehicles, so you know before you make an offer whether the asking price is reasonable.
Find Better Price
Searches for a better deal on similar vehicles. If the same thing is listed cheaper somewhere within range, you will see it.
Free CARFAX reports
Available on many of the vehicles listed, at no cost to you, so you can check the history before you drive anywhere to look at it.
Virtual Test Drive
Walk around and sit inside the vehicle from home. It narrows the list down before you spend a Saturday driving between dealerships.
myEZ Car Care
Every member with an auto loan from us gets a free myEZ Car Care Membership, which saves you money on service and travel after the purchase.
No ads, no tracking
The search tool blocks third-party cookies and advertising. Browsing here does not turn into car ads following you around the internet.
Finance it here
Know your rate before you shop.
Walking onto a lot already approved changes the conversation. You are negotiating the price of the vehicle instead of a monthly payment, and the dealer's finance office has nothing left to sell you.
- Rates from 4.74% on terms up to 5 years
- Financed up to 110% of NADA Clean Retail
- A loan officer here reads your application
Get approved before you go
- Up to 5 years 4.74%
- 6 years 4.99%
- 7 years 5.24%
- We finance up to 110% NADA Clean Retail
- Ask for Missy Seare, loan officer
Posted rates are the lowest available and are subject to change. All loans are on approved credit. Higher rates may apply for members with an Experian FICO credit score less than 670. The 7 year term requires a minimum loan of $25,000, model years 2022-2025, and a score of 670 or greater. See Auto & RV Loans for full terms.
How it works
Four steps from search to keys.
You can start at either end. Search first and finance after, or get approved first and shop knowing your number. Most members find the second one easier.
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Search and shortlist
Use the search above to find vehicles near you. Check the Price Curve on anything you like, run Find Better Price, and pull the CARFAX where it is offered.
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Get your loan approved
Apply online, call (801) 328-1521, or come into the office. A loan officer here reads it and tells you the amount, rate, and term you qualify for.
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Agree the price
Negotiate the price of the vehicle, not the payment. You already have financing, so the dealer's finance office is not part of the deal.
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Sign and drive
Sign the loan documents, show proof of insurance, and we release the funds to the dealer or the private seller.
What to have handy when you apply
- A government-issued photo ID and your Social Security number
- Proof of income, usually two recent pay stubs
- The year, make, model, and mileage of the vehicle, and the VIN if you have it
- Proof of insurance before the loan funds
Not a member yet? Membership is open to anyone who lives, works, worships, volunteers, or attends school in Salt Lake City, Utah, and it takes a $25.00 share deposit. There is no online membership application. Complete one at our office, or call us at (801) 328-1521 and we’ll mail you one.
“We have continued to utilize the services: my daughter and son now have vehicle loans here. They treat you like they actually care about you as a person and a member.”
Scott C. · Google review
Before you sign
Three things to check at the dealership.
The search tool handles the price. These are the three places a good deal still tends to come apart once you are sitting at the desk.
Check the value, not the sticker
We lend up to 110% of NADA Clean Retail value, which is often a different number from the price on the windshield. Knowing the guide value before you make an offer tells you how much room there is.
Negotiate price, not payment
A payment can be made to look small by stretching the term. Settle the price of the vehicle first, then talk about how long you want to pay it over.
Read what gets added at the end
Coverage and add-ons are often written into the deal at the finance desk. GAP, mechanical repair coverage, and payment protection are all available here too, priced up front and never required. Ask us first.
Questions
About the car buying service.
What is this, exactly?
It is a vehicle search and research tool we make available to you through Auto Link, our car buying partner. You can search listings, compare prices, and check vehicle history in one place instead of across a dozen dealer websites.
Does it cost anything?
No. The search tool is free and you do not need an account or a login to use it.
Do I have to be a member to use it?
No. Anyone can search. You do need to be a member to finance a vehicle with us, and membership is open to people who live, work, worship, volunteer, or attend school in Salt Lake City, Utah. It takes a $25.00 share deposit.
What can I search for?
Autos, motorcycles, boats, powersports, RVs, and golf carts.
Will my information be sold to dealers?
The search tool blocks third-party cookies and advertising. If you decide to contact a dealer about a listing, you are dealing with that dealer directly, under their terms and their privacy policy, not ours.
Does searching here commit me to anything?
No. Searching is research. Nothing you do in the tool applies for a loan, and applying for a loan is a separate step you start with us.
How do I get the loan?
Apply online, call (801) 328-1521, or come into the office at 564 East 300 South, Salt Lake City, Monday through Friday between 9:00 AM and 5:00 PM. Full terms are on our Auto & RV Loans page.
Can I use it for a private sale?
Yes. We finance vehicles bought from a private seller as well as from a dealer. The same value maximum of 110% NADA Clean Retail applies, and we release the funds to the seller once the paperwork is signed.
Disclosures
About the car buying service. The vehicle search and research tools on this page are provided by Auto Link, a service of Centergy Solutions, and not by Ridgeline Credit Union. Vehicle listings, pricing, availability, photographs, history reports, and any valuation or comparison shown in the tool come from Auto Link and its data sources. Ridgeline Credit Union does not sell vehicles, does not set or verify the prices shown, and does not guarantee the accuracy, completeness, or current availability of any listing. We make the tool available as a convenience to our members and receive no part of the purchase price of a vehicle you buy.
Providing a link or a search result is not an endorsement or a recommendation of any dealer, seller, or vehicle. If you contact a dealer or seller through the tool, that transaction is between you and them and is governed by their terms and their privacy policy. Please review any vehicle and any contract carefully before you buy. Use of the tool is subject to Auto Link's own terms of use and privacy policy.
Loans. Rates shown are Ridgeline Credit Union's posted loan rates. The credit union does not publish an effective date for its loan rate schedule, and rates are subject to change without notice. All loans are subject to credit approval and membership eligibility. Posted rates are the lowest available and your rate may be higher. Vehicle and street motorcycle loans, 2016 and newer: HIGHER RATES MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 670. 7 YEAR TERM ONLY: MINIMUM LOAN IS $25,000. MODEL YEARS 2022-2025 ONLY. MUST HAVE AN EXPERIAN FICO CREDIT SCORE OF 670 OR GREATER. Vehicle, RV, boat, and off road loans are financed to a maximum of 110% NADA Clean Retail value.
GAP coverage, mechanical repair coverage, and payment protection are optional products. Purchasing them is not required to obtain a loan, does not affect the rate or terms you are offered, and does not affect the credit decision. Coverage is subject to the terms, conditions, and exclusions of the individual contract, which you will receive before you agree to buy. The myEZ Car Care Membership is provided by a third party and is subject to that provider's terms.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required. Routing Number: 324078417. NMLS #402443.