Car Buying Service
Shop, price, and finance in one place
Search real inventory at certified dealers, see upfront member pricing before you go, and arrive with your Summit financing already in place. Members save an average of $3,100 off MSRP.
What members get out of it
Averages below are based on Summit members who purchased through the service in the twelve months ending June 2026.
Upfront member pricing
Every listing shows a guaranteed price certificate before you contact anyone. The number on your screen is the number on the buyer's order.
Real inventory, not leads
You are searching cars that physically sit on a certified dealer's lot, filtered by trim, color, and distance from your ZIP code.
Financing already handled
Pre-qualify with Summit in the same session at rates from 4.09% APR, so the finance office has nothing left to sell you.
The certificate
One page that ends the haggling
Print or save the price certificate and hand it to the sales manager. It lists the exact vehicle by VIN, the guaranteed price, and the dealer's agreement to honor it. Manufacturer rebates and incentives still apply on top.
Four steps to the driveway
Search inventory
Filter by make, model, trim, and distance. Every result shows the member price alongside MSRP so the savings are visible.
Lock the price
Generate a certificate for the exact VIN you want. The certified dealer is notified and agrees to honor it for 30 days.
Pre-qualify with Summit
A soft credit pull returns your rate and approved amount in about two minutes without affecting your score.
Test drive and sign
Go see the car. If it is right, sign the paperwork at the certificate price with financing already arranged.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
Does the service cost anything?
Nothing. It is a membership benefit, and Summit does not receive a commission on vehicles sold through it.
Am I required to finance with Summit?
No. The price certificate is honored regardless of how you pay, including cash. We simply think our rate is worth comparing.
Can I still negotiate my trade-in?
Yes, and you should. The certificate covers only the purchase price, which keeps the dealer from moving money between the two figures.
Are used vehicles included?
Certified pre-owned and used inventory from participating dealers is included, priced at a set discount off the dealer's listed retail price.
What if there is no certified dealer near me?
Widen the search radius. Many members drive 60 to 90 minutes for a better price, and some dealers will deliver the vehicle for a modest fee.
Start with the price, not the pitch
See what members are paying in your area before you spend a Saturday on a lot.