More Info
Your Location
You've entered an invalid zip code.
Your Credit Estimate
Your Credit
We are using your credit decision on file.
More Info
Why we ask for your zip code.

Your zip code helps us provide you with the most accurate vehicle pricing and vehicle availability.

Why we estimate your credit score.

We estimate your credit score to give you an idea of your monthly payments. To get an accurate payment amount, complete our credit application by clicking the Start Credit Application button below.

start credit application

New Car Shopping Online

Written By, NowCar Team

Everybody knows that shopping for a new car can be maddening. Between the sleazy car salesman, the haggling, and the time - the incredible amount of time - it can take, it just seems there must be an easier way.

Fortunately, there is. Rather than purchase your next car the old-fashioned way, why not try new car shopping online? 

Increasingly, more consumers are opting to do their new car shopping online because it's just so convenient, quick, and easy. When is the last time you heard anyone use those words to describe shopping for a new car? Right. Never.

For most people, the process of purchasing a new car is just tedious. In some cases, consumers even feel overwhelmed or intimidated. Certain demographics, like new drivers or new car owners, not to mention women, are especially vulnerable to being taking advantage of, or at least feeling like they have been.

Buyer's remorse is all too common as a result.

One of the perks of new car shopping online is the anonymity of the search. Since you're not meeting a dealer face to face, there is no fear of being stereotyped based on appearance.

You can shop with confidence and do your car research in a relaxed environment and at your own pace.

Read on to learn how this foolproof and painless process works…

Step One: Find Your Car

Car Shopping Online

This is arguably the most fun part because you can do it from the comfort of your own home. You even do your new car shopping online while still in your pajamas, if you're so inclined.

Simply hop online and scope out the car most ideally suited to your needs and preferences. Scroll through the online car inventory, similar to the way you might walk a lot or showroom, minus the aggravation of a pushy salesman following you around.

Tip One:

Before you start your new car shopping online, make sure that you know exactly what you're looking for.

This seems obvious, but with the vast inventory available to you from a number of reliable automakers and brands, it's easy to get overwhelmed by all the ways you could go with your purchase. 

Rather than allow that to happen, consider what you need this car for.

  1. Are you a commuter?
  2. Do you do a lot of daily driving?
  3. Do you need a vehicle that can do some heavy lifting?
  4. Do you like off-roading adventures?
  5. What about your passengers?
  6. Is it pretty much just you, or you and a buddy most of the time?
  7. Or are you a team mom or dad who shuttles around a gaggle of kids to practices and games a few times a week?
  8. What's important to you in a new car?
  9. The latest technology and gadgets, or is fuel efficiency a more pressing priority?

You get the idea. The questions could go on and on. But, they're important to consider ahead of time so that you can streamline your search.

Let's say you need a vehicle that can accommodate your family, along with some teammates on a regular basis, and you don't want to break the bank every time you fill up.

You might then want to consider a vehicle from the crossover or SUV segments.

For example, check out current crossovers with three rows of seating and solid fuel efficiency, like the 2015 GMC Acadia, 2015 Toyota Highlander, 2015 Ford Flex, or the 2015 Kia Sorento.

Although we want to keep you out of the dealership as much as possible, it's not a terrible idea to schedule a test drive so that you truly know if you're going to be happy behind the wheel of that particular make and model.

Step Two: Financing

Auto Financinfg

Once you've found your car, it's time to deal with the financing. Remember what this part is like at a brick-and-mortar dealership? Nightmarish, right? 

Between the hidden fees, and all the people involved in the transaction, it's no wonder that most people end up shelling out more for their new cars than they had intended.

With new car shopping online, you simply fill out the financing paperwork and wait to receive a quote. If you like the quote, you continue the purchase.

If you don't, you keep shopping. Haggling does not exist when it comes to new car shopping online. There are no head games or power plays. No need to make an abrupt or fake exit to get the dealer to lower his price. All you do is complete the loan application and wait for your offer.

Tip Two:

As with all financial transactions, you'll want to know your numbers before you apply for a loan. This means checking your credit history and resulting score by reviewing your credit report, which you can access for free once a year from the major credit reporting agencies like, Equifax, Experian, and Transunion.

Your credit score will be a good indicator of the interest rate, or APR, you can expect to receive. Just to give you a sense of how credit scores and interest rates correspond, here is a quick breakdown:

  • Excellent Credit: 781-850
  • Good Credit: 661-780
  • Fair Credit: 601-660
  • Poor Credit: 501-600
  • Bad Credit: <500

For applicants with good credit, interest rates are generally between four and five percent. If you fall under the "bad credit," sometimes referred to as "subprime" credit category, expect your interest rate to increase anywhere from ten to thirteen percent.

Step Three: Delivery

That's right. Once you've found the right car and financing terms, you simply wait for your new car to be delivered right to your door. Whether or not you want to change out of those pajamas before it arrives is entirely up to you.

However, the point is, you literally never need to step foot in a dealership or car lot ever again. The research, shopping, financing, is all done online and then the car is brought to you directly.

The whole new car shopping online process just couldn't be easier. Give it a try for your next new car purchase. We're confident you'll never buy from a brick-and-mortar dealership again.