Car dealerships are regulated by the state that they operate in. For this reason, you'll have to safeguard yourself against a used car purchase differently. While sold cars require a state inspection if sold from a dealership, you'll have to inspect the vehicle yourself after you buy the vehicle privately. Having a mechanic completely look over the vehicle you intend to purchase can prevent costly repairs for state required emissions and inspection testing.
Figure out your budget and apply for a preapproval if you plan to finance. Contact a local bank to apply. Approvals can take up to a week, so it is a good idea to have your funds in order before you find the car you want.
Start shopping for your car. Use the All of Craigslist, eBay Motors and your local newspaper's website to view cars for sale. Call sellers to make an appointment to view and test-drive cars.
Call your state's Department of Motor Vehicles (DMV). Because laws and titling procedures differ by state, you should know your state's requirements before buying. For example, many states do not allow transfer of ownership when a vehicle has a lien listed on the title.
Test-drive vehicles until you find one you want to buy. Make arrangements with your mechanic and the seller to have the vehicle properly inspected. Bring the vehicle to your mechanic's shop or have the seller bring the car.
Discuss payment with the seller if the inspection goes well. Return to the bank to get a bank check or cash for the seller. Sign your paperwork if taking out a loan.
Add your vehicle to your insurance policy, as required in most states. Give the buyer the money you owe and make sure he signs the title in the correct place. Go to your DMV office to complete registration and titling.
Bring your plates and DMV documents back to your new vehicle. Arrange for a ride, if necessary. Put the plates on before driving your car.
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