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Auto Buying Service

Your time is as valuable as your money, and The Police Credit Union wants you to enjoy more of both. Our Auto Buying Service is perfect for busy California police officers and law enforcement professionals who want to find the best deal on a vehicle without devoting all the time necessary to research options and negotiate prices.

The Auto Buying Service is free to The Police Credit Union members and acts as a personalized concierge through the process. You’ll be assigned a personal auto shopper who will find the vehicle you want based on your specifications, for the lowest price possible. To speak to a personal auto shopper directly, call 800.716.9550.

Tell us what you're looking for.

Your personal auto shopper will go to work to secure the lowest available price on your vehicle.

We deliver your new vehicle and handle your trade-in.

Once you decide on the vehicle you want, you can pick it up and sign the papers at our office in San Mateo, or we’ll deliver your vehicle if you live 75 miles or more from the Bay Area. Contact us today if you have any questions.

Hassle-Free Test Drives

Test Drive

We can set up a hassle-free test drive for you at nearly all manufactures at various dealerships in the Bay Area. Call us at 800.716.9550 to verify your make of vehicle is on our test drive program and we will set everything up. We have changed the new vehicle buying process to work for you.


Trade-In: What We Do

We can assist you with your trade-in when you activate your account with us.

The value of your trade-in does not affect the price of your new vehicle the way it would if you went through a dealership. We’ll spare you the frustration of selling your used vehicle, while getting you a great price for your trade-in.

What is my car worth?

Edmunds® Used Car Appraiser is a good source to get an accurate estimate of your vehicle’s value. Click here to visit the Used Car Appraiser. Please keep in mind this is an estimate.


How much do you charge for your Service?

This is a free member benefit for all The Police Credit Union members. If you are interested in applying for an The Police Credit Union membership click here.

What vehicles do you sell?

Any make, any model. We can acquire any new vehicle that is sold; from an Acura to a Ferrari and everything in between – including SUV’s, family and cargo vans, and fully equipped work trucks.

Do you take trade-ins?

Yes. We will get you the most for your trade-in because we shop your trade-in to wholesalers and re-marketers who pay top market value.

What type of inventory do you have?

We have no inventory at our office location; taking advantage of our low overhead is what allows us to save you money. We have access to nearly every vehicle at any dealership in California.

Do you only serve clients in the Bay Area?

We provide remote service to The Police Credit Union members who reside in California only. We are only licensed with the DMV in our state.

What type of financing rates do you offer?

The Police Credit Union financing can be your best resource — often better than direct factory financing. Plus, you don’t need to give up your rebate (when one is available on your new vehicle).  A variety of attractive financing options are available.

What about factory incentives?

All factory incentives will be applied if these promotions are available on the vehicle you are purchasing.

What about hard to locate vehicles?

We specialize in statewide searches for hard to find vehicles. We will exercise every possible resource we have to locate the exact vehicle that is available for sale on the market. If a particular vehicle is not available we can place a special order for you with the manufacturer at no additional cost. 

Where do I take my car when I need warranty repair?

At the dealer of your choice. Remember, every new car carries the full manufacturer’s factory warranty, and can be serviced at any dealership.

What about servicing my car?

You can service your vehicle at the dealer of your choice and receive excellent service. After a service or warranty repair, manufacturers and dealerships themselves will send you a comment form to assess the level of service you received. These satisfaction reports are important to the manufacturer and give you the member a say in how you are treated.

The Police Credit Union Advantage

The Police Credit Union financing can be your best resource — often better than factory financing, plus you don’t need to give up your rebate (when one is available on your particular vehicle). Call your The Police Credit Union Personal Auto Shopper for details, including the inside scoop on all factory rebates, incentives, and hidden manufacturer-to-dealer incentives. Dealer-related savings are part of our package for you.

The Police Credit Union is the best choice for your next auto loan. A variety of attractive financing options are available, including:

  • New and used auto, motorcycle, boat, RV, and mobile home loans
  • Loan repayment periods up to 84 months
  • Low down payments, including 0% down on many loans


  • Dear Kathleen,

    Rich and I just want to let you know how wonderful the experience was buying our new Crosstrek. Armen Sadakian is a real jewel. He made the whole buying experience easy for us. Rich and I are both in our 70s and we were not actually looking forward to having to go to dealerships to buy a car. What a great service Armen provides. All I did was tell him what I wanted and within a couple of days, voila!, there it was. We love our new Subaru. He knows what he’s doing and he treated us with kindness and respect. It was the best experience because of Armen. What a great guy!

    If we ever again decide to buy a new car, we would not hesitate to use your car buyer service and will always recommend this service to anyone we know who is thinking of buying a car. 

    With much gratitude,
    Robin and Rich R.

    Robin and Rich R.
  • Today my wife and I purchased a new Camaro!  During the process of selling my Corvette and coordinating the purchase of the Camaro, I ran into a few kinks on my side.   There were many interested buyers but none were coming up with the funds.  It took while to finally find the eventual buyer.  This delayed the purchase of the car that I wanted, but might be in short supply for the 2018 year.  Your top guys in helping us out and getting us into the drivers seat of this car were John Trinh and Armen Sadakian.  Also notable mention goes to Casey for familiarizing me with the car.  In the end, everything worked out perfectly and I drove off with a smile on my face!   They are a very well coordinated and knowledgeable team!

    Thanks To All!
    Bob G.

  • Hello Armen,

    I just want to say what an absolute pleasure it was to have such professional gentlemen!!!  Please extend my gratitude to KC for the orientation of my new car!!!!  I started playing some music from KC and the sunshine band!  Thanks once again!!!

    Warm regards,

    Eileen Tellez

    Eileen T.
  • I wanted to reach out and express what a superb experience I had with the SFPCU's Auto Buying Service.

    I've been a long time SFPCU member and have enjoyed the Personal Auto Shopper, twice now. And I have to say, my experience was just as exceptional as it was the first time around.

    I was pleasantly surprised to see that KC, whom assisted me in '08/'09, with my first vehicle. His customer service was five star. And he made the process of purchasing a new car easy, seamless and, quite frankly, really enjoyable. And not to mention, he remembered me right away.

    I can't say enough good things about the team. I've already recommended the buying service to my father, who is also a member at SFPCU.

    Please feel free to share this with the team.

    Sergio R.
  • Hi! I got your email address from Armen because I wanted to share what a great experience I had with both Armen and KC in purchasing my new Honda Fit. My nephew and his wife had just purchased their car through Armen at the Credit Union, and recommended him when I told them I had to get a new car.  I had never heard about this service before. I was so stressed about the whole car-buying process, but both Armen and KC made the experience so easy. My car was ready when promised, and all of the paperwork around it was prompt and organized. They were really patient with me in explaining the features of my new vehicle, and really made me feel at ease. I hope the credit union can really get the word out about this great service.

    Mary C.
  • "Purchased a Honda Ridgeline in February. Armen was terrific and found the truck I was looking for. Within a couple days, my truck was ready for pickup. Pun intended. Armen was friendly and did his research on the truck and gave me valuable info about the truck. I have already recommended Armen to friends."

    Stephen M.
  • "I am a member of the SF Police Credit Union and recently purchased a new car through the Personal Car Buying Service. I worked with  Armen  Sadakian  and it was a great experience. I had not purchased a new car in many years, and Armen made it so very simple and painless.

    He and his team member, KC were very friendly, professional, and quite knowledgeable. I have been in Customer Service as a profession for over 20 years, so I can be hard to please as a customer.They surpassed all my expectations.

    I have recommended the service to family and friends! Thank you for offering this service to the members of SFPCU!"

    Mary R.
  • "I'm reaching out in regards to my recent experience with Armen Sadakian.

    Being that it was my first time purchasing a new vehicle, I wanted to share with you how great of a car buying experience I had. Armen treated me with the upmost respect and made the transaction smooth and seamless, which aligns perfectly with my busy schedule. I had explained the make, model, and details of the car I was looking for, and just a few days later, Armen turned my wants and needs into a reality.

    Needless to say, I am happy in my new Acura and impressed with the overall SFPCU car buying experience.

    I will definitely recommend this service to friends and family members going forward."

    Whitney G.
  • "Just wanted to write you an email thanking you and Armen and everyone at the Police Credit Union for an amazing job. I have purchased three vehicles from you guys and Armen always delivers amazing products. He is a car guru for sure. He has great skills on finding what I have always needed and will bend over backwards for the customer. Thank you guys again. Look forward to more transactions in the future."

    Francisco R.
  • "My wife and I just went through your purchasing service and were blown away by  Mr. Sadakian's  ability to make the magic happen quickly and painlessly. It has been 11 years since we bought a car.....the experience was ok, but nothing like making a call and 2 days later having the car driven to your front door! We both feel Armen was responsible for the smoothness and ease of all the transactions. Your service will come highly  recommended by us. You have one hell of an employee, lucky you!"

    Evelyn M.
  • "Armen,

    Thank you for this positive and painless car buying experience. It was tough finding the exact car that we wanted and with your hard work, you were able to find that diamond in the rough. Also, thanks for keeping me motivated for waiting for the right RX F-Sport white on red instead of settling for something we wouldn't have been fully happy with."

    Jimmy S. and Tiffany L.
  • "Dear Armen,
    Just a quick note to thank you for your kindness and your time. Your expertise and thoughtfulness is much appreciated, you make the purchasing of a new vehicle a very pleasurable experience."
    Member David R. (retired SFPD)
  • "Hi there! I wanted to take a moment to let you know that I called Armen and he assisted me in finding a vehicle. He was very professional and friendly over the phone. He found me the vehicle I wanted at a fantastic price. I happened to be telling some of my co-workers about my experience and they too mentioned that they also went through Armen to get their vehicle and had the same great experience from a few years ago! Anyway great customer service and he listened to all my questions and gave me some great information! If you have an employee of the month award, it should be given to him! Thank him and everyone who assisted me in obtaining my new vehicle!"

    Kimberly T.
  • "I am extremely happy with the service I received from SF Police Credit Union's Auto Buying Service. Armen Sadakian, president, provided me personal service that was outstanding. I was very specific about the car and trim I wanted, and he was able to order me a 2014 model directly from the factory before it even reached the dealers. He constantly kept me informed on the status of my order, and made the purchase of my car seamless. The process is even easier if you get a loan through the credit union! Everything can be done over the phone. I would use this service again, and highly recommend it."

    Member P.F. (retired SFPD)
4 Runner
The article above was written by Ray S. and originally appeared in the June 2020 SFPOA Journal.



"I wanted to thank you for all your hard work!! My dad & I are extremely grateful for all you have done. The car arrived this morning, delivered by 2 very professional employees. We love everything about it. Thank you again!!!"

- Sarah C.

We are a buying service not a pricing service. We are here to assist you with your next vehicle purchase.

The Police Credit Union's Auto Buying Service is a partner of The Police CU as a sole and separate entity. The Police Credit Union is not liable for any failure of products or services provided from this vendor.