This website was specifically designed to assist you in researching all aspects of your automotive purchase. Whether you are a “leave no stone unturned” researcher or just looking for some product knowledge, you’ll find it here.

The questions below should answer any car buying questions that you may have. If you have any other questions that are not answered, please fell free to contact us by clicking here.

Basically we work with Credit Union members to help them find and/or finance cars. Our job is to make sure that the pricing you get from the dealers reflect the guidelines set for them by Groovecar. Membership in a Credit Union entitles you to discounts, our services and tips and advice. Groovecar searches through dealer inventories new/used to help you find a car at a great price. Also there is a program for Credit Union members that allow you to finance your car through the credit union financing programs right at the dealership. This allows you to take advantage of the low Credit Union interest rates without having to go back and forth between the dealership and the Credit Union.

You can always call our customer service department and one of our customer service representatives can go over it with you step by step.

We currently participate with over 300 dealers, almost everywhere from Manhattan to Riverhead.

Although the pricing will be similar as long as you look at the same vehicle, you may register to as many dealers as you would like to visit. There is no limit.

There is a research portion on our website where you can find invoices and MSRP’s for the car(s ) you are looking for.

In the Research portion of our website, you will be able to find available incentives/rebates for the car (s) you are looking for.

You are able to build out any vehicle in the “My Garage” section of our website. It has similar functionality to other sites, but pricing may be different dependent upon which resources you use.

Our program is not the same as Triple A or Costco. There are many differences. To find out please contact us or read the “How does Your Program Work?” question, also in the FAQ section.

Your exact monthly payments will be calculated once you have an approved application and have decided on a vehicle. You can get an idea of this information under the Research portion of our website and click on “financing calculators.”

All of our participating locations have very specific people to ask for. Since we only have one to three trained representatives per dealership, it is extremely important you ask for them by name. If you are unsure who they are, please contact us or visit our website for a complete dealer list with assigned representatives.

Please ask for the trained representative by name and tell them that you are registered with Groovecar. Also name the Credit Union that you are affiliated with.

Benefits through our program include discounted pricing on most vehicles, credit union financing at most Groovecar participating dealers, a new and preowned dealer list with over 300 participants from Manhattan to Riverhead, specially trained representatives that are mostly managers, customer service department to answer your questions and a free member’s club card.

Non-Groovecar participating dealers cannot help finance you through your credit union, you will most likely have to negotiate your deal, you may deal with salespeople among other differences.

“No-Haggle” means no negotiating is involved.

You may get what is called a pre-approval. This means you are already approved for a loan before visiting a dealer. Check with your specific credit union, because pre-approvals usually have a time limit.

If you have bad credit, you may put in what is called a Subprime request. This lets the dealers know that you may be credit challenged. We will still help you out to the best of our ability.

You do not have to finance through the credit union in order to use our program.

Yes, we can still help if you are only looking for a specific car.

Yes, we have a preowned section on our website that gives you access to these two types of vehicles.

There are a few tips that may help you get a better deal. All of this information is listed on our young drivers page. This link is located under the “additional resources” portion of our website.

There are best selling cars for every class, type, price range and year that is out there. You may ask your trained representative at the dealer for some answers on this subject.

As long as you have an idea of what make or type of car you are interested in, you can get registered. If you are not quite ready to start visiting dealers yet, you may contact us for tips or advice.