What should I bring when buying a used car?
Essential Documents and Payment
You'll need a valid driver's license to test drive and complete the purchase. If you're financing, bring a pre-approval letter from your bank or credit union. For payment, a cashier's check or bank draft is safer than carrying cash, though some private sellers may insist on cash.
If you're buying from a dealer, they may accept a personal check or arrange financing, but having a pre-approval gives you negotiating power. Also bring proof of insurance; you'll need it to drive the car home legally.
- Driver's license
- Proof of insurance
- Payment: cashier's check, loan pre-approval, or cash
- Bill of sale template (for private sales)
- Flashlight and tire pressure gauge
- Phone with a vehicle history report app
Tools for Inspection
A flashlight helps you inspect dark areas like under the hood and beneath the car. A tire pressure gauge lets you check tire condition. Bring a magnet to test for body filler (it won't stick to plastic filler), and a rag to check fluid levels.
If you're not car-savvy, bring a friend who is, or arrange for a mechanic to come with you. Many mobile mechanics offer pre-purchase inspection services for a fee.
For Private Sales
In a private sale, you'll need to handle the title transfer yourself. Bring a pen and a bill of sale form that includes the date, price, vehicle details (VIN, make, model, year, mileage), and both parties' signatures.
Check your state's DMV website for specific forms and requirements. Some states require a smog certificate or safety inspection before transfer.
Common mistakes
- Forgetting to bring proof of insurance, which is required to drive the car legally after purchase.
- Not bringing a payment method that the seller will accept, leading to a wasted trip.
- Skipping a bill of sale in a private transaction, which can cause problems at the DMV.
