Buying a used car can save you money and help you find a reliable vehicle that fits your needs. Whether you shop at a dealership, browse rental car resellers, explore private sellers or use a car-buying service, a little preparation can help you make a smart choice.
These tips guide you through the process and can help you avoid common mistakes.
Dealerships
Dealerships let you compare many cars in one place, see them in person and take test drives. Many also offer warranties, service plans or certified pre‑owned programs. To get the best price and avoid surprises, go prepared.
- Secure financing ahead of time. Get preapproved for an auto loan before you shop. You can compare offers and avoid relying on dealer financing.
- Know your trade‑in value. If you plan to trade in your car, check its value on trusted sites like Kelley Blue Book or Edmunds. Compare the dealer’s offer to what you could get selling it yourself.
- Watch for add‑ons. Dealers may offer extended warranties, Guaranteed Asset Protection (GAP) insurance or tire protection packages. Ask questions, read the details and don’t feel pressured to say yes on the spot.
- Research the dealership. Ask family and friends for recommendations. Read online reviews to learn about other customers’ experiences. Check the Better Business Bureau for complaints or patterns of issues.
- Ask about certifications. Look for dealerships that offer certified pre‑owned vehicles or have certifications from organizations such as the National Automobile Dealers Association.
Helpful hint: Don’t rush. Visit more than one dealership. Comparing cars and prices is one of the best ways to save money.
Rental Car Resellers
Rental companies often sell well‑maintained vehicles from their fleets. They also typically offer no‑haggle pricing, which means the price is set and you don’t have to negotiate.
- Expect limited warranties. Most rental resellers offer short warranties, usually around 12 months.
- Check for wear and tear. Rental cars may have higher mileage or interior wear from frequent use. This doesn’t mean they’re unreliable, but it’s important to look closely.
- Get a professional inspection. Even with good maintenance records, always have a trusted mechanic review the car and look for signs of past damage.
- Review the vehicle history report. This report shows accidents, service records and title changes.
Private Sellers
Buying from a private seller can sometimes help you get a better price, but it requires more effort and caution.
- Bring preapproved financing. This helps you stay within budget and pay on the spot if you choose to buy.
- Research the vehicle. Use a trusted service to check the car’s history. Look for red flags like salvage titles, frequent repairs or mismatched mileage.
- Get an inspection. Have a reliable mechanic inspect the vehicle before you agree to buy it.
- Be safe when meeting the seller. Avoid buying a car online that you can’t see in person. Meet in a busy public place or police station and bring a family member or friend with you for safety.
- Complete the paperwork. Make sure the title, bill of sale and smog inspection (if needed) are handled properly.
Helpful hint: If a seller avoids your questions or refuses an inspection, it's a red flag.
Car-Buying Services
A car-buying service helps you find and purchase a new or used car, saving you time and effort. Their experts negotiate with dealerships on your behalf and handle paperwork.
- Do your research. Look for a reputable company with positive reviews and transparent services.
- Ask about fees. Some car‑buying services charge fees that add up quickly. SchoolsFirst FCU offers no-fee car-buying services.
- Understand what’s included. Some services help you find cars, negotiate and prepare paperwork. Others offer extra support like delivery or trade‑in help.
Helpful hint: Car-buying services can be a great choice if you’re short on time or don’t enjoy negotiating.
Watch Out for Fraud
Used car scams are common, especially online. Protect yourself by:
- Being cautious of prices that seem too low for the market.
- Avoiding sellers who ask for wire transfers, gift cards or unusual payment methods.
- Confirming the Vehicle Identification Number (VIN) on the car matches the paperwork.
- Trusting your instincts — if something doesn’t feel right, walk away.
We Can Help You Find and Finance Your Next Car
We offer a range of competitive auto loans1 to fit almost anyone's financial situation, including first-time buyers with little or no credit history. Our loans offer auto convenience checks2 so you can shop like a cash buyer.
- All loans subject to approval.
- Restrictions apply.