Military · Virginia Beach, VA

A military discount you don't have to prove you've earned

No LES. No military ID. No DD-214. No forms to bring. Whether you are serving now or you are a veteran, tell us and the discount comes off the price of the car at Shoreline Auto Center.

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The difference

We don't ask for paperwork

The military offers around Hampton Roads come with a document list: a Leave and Earnings Statement, an ID scan, a discharge form, an identity check to get through online. And most of them quietly stop applying to veterans two years after discharge — so the people with the longest service behind them are the first ones the offer forgets.

We think asking someone to document their service in order to buy a used car has it backwards. We take you at your word. Because we never ask for the paperwork, there is no category to prove you belong to and no window that closes behind you — active duty, Guard or Reserve, retired, or a veteran who separated twenty years ago, the answer is the same.

How the discount works

It comes off the price of the vehicle. It is not a coupon, there is nothing to print, and it is not tied to financing with anyone in particular.

The amount depends on the vehicle. There is more room to move on a higher-priced car than on an inexpensive one, so we do not publish one figure — a single advertised number would be wrong on a large share of the cars on the lot, and we would rather be accurate than eye-catching. Ask about the specific car you are looking at, before you start, and you will get a direct answer.

Taken off the vehicle price, not added on top of something else.
Depends on the vehicle — ask about the one you want and we will tell you.
No documents, no application, no verification step to clear first.

About the credit check — the straight answer

We run a real credit check, and it is a hard inquiry. It shows up on your credit report like any other application for a car loan. We would rather you read that here than discover it at the desk.

What you get in return is that the terms you are quoted are the terms you sign. The rate, the length of the loan, the monthly payment and what the vehicle costs in total are all explained before anything is signed — the same figures that appear on the contract itself, in writing, rather than a monthly payment quoted on its own.

We know what car lots near base gates are known for. That reputation was earned, by people selling overpriced cars at rates young enlisted buyers could not carry. We cannot undo that with a slogan. What we can do is put the numbers in front of you early enough that you can check them.

How financing works here Start an application

Worth knowing

Buying a car around the job

If you are deploying

A car that sits for months needs a plan, not just a parking space. Talk to your insurer before you go — most will adjust coverage on a stored vehicle rather than have you pay for a policy you cannot use. Give someone you trust the legal authority to act for you, so registration, inspection or a payment can be handled without you. Fuel stabilizer, a battery tender and correct tire pressure prevent most of what goes wrong in storage.

Federal law — the Servicemembers Civil Relief Act — gives you specific rights on debt taken on before you went on active duty, and on some vehicle leases when you deploy or receive orders. It is worth reading, and the legal assistance office on your installation will go through it with you at no cost. That is true wherever you buy.

The other side of a deployment is what you come back to. Money set aside while you were away is the strongest down payment there is: it lowers what you finance, shortens the loan and cuts what you pay in interest. If you are planning to buy when you return, that is the thing to protect.

If you have orders — how a PCS changes the timing

Orders change when you should buy, not just what. Buying in the last few weeks before you move means registering, titling and inspecting a car in one state and then doing much of it again in the next — and a vehicle bought here has to satisfy the rules where you are going, not the rules here. The question worth answering first is simply whether you need the car at this duty station or the next one.

If it is the next one, the useful thing to do now is the paperwork-free part: know what you can comfortably pay each month, know what your trade is realistically worth, and arrive ready rather than rushed. If you need it here, earlier is better than the week the movers come.

Good income, thin credit file

A twenty-one-year-old two years into a first enlistment often has steady, documented, reliable income and almost no credit history. That is not bad credit. It is an absence of data, and the two get treated as the same thing far too often.

It helps to bring what shows stability rather than what shows a score: your pay statement, how long you have been in, direct deposit that lands the same day every month. And it helps to know your own number before anyone quotes you one — decide what you can pay monthly without it hurting, and hold to it. A shorter loan on a less expensive car costs less over its life than a long loan on a nicer one, every time.

Where our customers drive from

Each one has its own page.

Norfolk, VA Chesapeake, VA Portsmouth, VA Suffolk, VA Oceana, VA

Ask before you start

Tell us which vehicle you are looking at and we will tell you what the discount is on that car. No documents, no application first, no obligation either way.

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