Checklist for buying a used car (private seller)

TL;DR: Inspect the VIN, meet in a public place, and never bring cash alone.

Buying from a private seller can save money, but it carries risk. You don't have a dealership warranty to fall back on. Diligence is your only protection against buying a lemon.

Step-by-Step Guide

Pre-Inspection Check: Ask for the VIN (Vehicle Identification Number) before you meet. Run a history report (Carfax/AutoCheck) to look for accidents, flood damage, or lien titles.
The 'Cold Start' Test: Tell the seller you want the engine cold when you arrive. Feel the hood. If it's warm, they might have warmed it up to hide starting issues or smoke. Check oil and coolant levels.
The Test Drive: Don't just drive around the block. Take it on the highway. Listen for clunks when turning. Brake hard (safely) to check for pulling. Check that all electronics (AC, windows, locks) work.
The Transaction: Meet at a bank or police station safe zone. Verify the title matches the seller's ID. Ensure the title is 'Clean' (not Salvage/Rebuilt) unless you are aware of the risks.

FAQ

Should I pay in cash?

Cashier's check is safer for large amounts. If cash, meet at your bank.

Can I return it?

Usually no. Private sales are 'As-Is'. Once you sign, it's yours.

What is a mechanic's lien?

It means the car was repaired but not paid for. The mechanic legally owns it. Avoid.

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