Buying A Used Car Through Costco — Top-Rated

To keep your finances healthy, aim for a 20% down payment , a loan term of no more than 4 years , and total car expenses under 10% of your monthly income . Frequently Asked Questions - Costco Auto Program

Beyond the price of the car, members often receive 15% off parts, service, and accessories at participating service centers. Important Considerations buying a used car through costco

Costco provides the price, but it does not provide the financing. You can still choose to lease or finance through the dealer or your own bank, but your prearranged Costco price remains the same regardless of your choice. To keep your finances healthy, aim for a

Once you find a car or a participating dealer, you’ll be put in touch with a specific Authorized Dealer Contact . This person is trained to handle Costco members and is your point of contact for the "no-haggle" experience. You can still choose to lease or finance

Because the program only works with "authorized" dealers, you are limited to the inventory available at those specific locations.

The process is designed to be straightforward and transparent:

While Costco prices are steady, the final week of the year (December 26–31) is often the best time for general dealership discounts as they race to meet annual sales goals.