Things to know if you're buying a used car from a private seller

Buying a used car from a private seller can save you some cash, but it comes with its own challenges and risks. To make sure you make a smart purchase, it’s really important to ask the right questions, take the necessary precautions, and know the differences between buying from a private seller and a dealership. Here’s a handy guide to help you through the process.

Questions you absolutely should ask the seller

Contacting the seller is the first step when you find a car that catches your eye. It's best to speak with them over the phone rather than through email or WhatsApp – scammers usually like communicating through text or email. If you do get the seller on the phone, here are some initial questions to ask them:

View the car in a public space

If the car ticks all your boxes, set up a time to see it in person. Make sure you get the address and meet in a safe, public place.

If you love it, make sure you set the deal up for success

There are some small steps you can take to make sure everything goes smoothly and that your money is safe. If the person wants a deposit, make sure it's fair and you can get it back if things don't work out. Then, think about putting together a sales agreement. That way, you've got everything down in writing – like how you're paying, when you're getting the car, and if there are any guarantees. When it comes to paying, stick to safe methods like bank transfers and always ask for a receipt after you've paid. It's a simple way to double-check everything's legit.

Here are some tips on how to spot a scam and stay safe:

Keeping yourself safe

• Meet the seller in a public place or at their home.
• Take a friend along.
• Don’t carry a lot of cash.
• Let someone know where you are (even drop them a live location).
• Stay aware of what’s around you.

Spotting a scam

• Compare the car's price with similar ones. If it's too good to be true it probably is.
• Never transfer money without seeing the car in person.
• Don’t send money overseas or make large deposits.
• Always contact the seller by phone.
• Make sure that ownership and roadworthy documents are original and match the VIN.
• Make sure the owner’s details match those on the documents.
• Check the car’s service history.

What’s the difference between going through a dealer and a private seller?

We break it down in the table below.

Important things to remember when buying a car privately:

• Do your homework: Ask detailed questions about the car’s history and condition.
• Make sure the car has a Roadworthy Certificate: This certificate confirms the car meets minimum safety standards. It’s not a guarantee of overall condition.
• Run a check on the VIN and Engine Number: Run a check at a police station to make sure it’s not stolen.
• Work out how you are making the payment: If the car is still being financed, ideally, the loan should be paid off before you pay the owner.
• Register the car in your name: Both the buyer and the seller must handle the registration process. You will need various documents including proof of purchase and a roadworthy certificate.
• Draw up a sales agreement: This contract should include detailed information about both parties, the vehicle, and the sale terms.

Buying a used car from a private seller can save you cash, but it needs some careful checking. Always ask detailed questions, double-check all the info, and stay safe. Think about the pros and cons of buying from a private seller versus a dealership to see what works best for you. If you do your homework and follow these tips, you can buy with confidence and know what you're getting.

And remember, if anything doesn't feel right, it's okay to walk away.