Quick Summary: Buying a used car can be a smart financial decision but only if you know what to look for. This used car buying checklist will help you avoid red flags, inspect with confidence, and complete the paperwork properly.

When it comes to buying a used car, being thorough can save you from expensive mistakes. Before you hand over any cash or sign on the dotted line, follow this used car buying checklist to protect your investment.

Vehicle History

Start by requesting a vehicle history report from CARFAX® or AutoCheck®. These reports can uncover serious issues like accidents, flood damage, title discrepancies, and odometer rollbacks. If anything looks off, walk away.

Pre-Purchase Inspection

Never skip a mechanic’s inspection. Even if the car drives well during a test drive, hidden problems under the hood or frame can turn your deal into a money pit. Choose an independent, trusted mechanic to inspect the brakes, suspension, tires, engine, and electronics.

Test Drive Essentials

A proper test drive goes beyond a lap around the block. Drive on different roads, test the brakes, and listen for odd noises. Make sure all interior features such as AC, radio, lights, and power windows are working.

Paperwork Review

Before you sign anything, carefully review the title, bill of sale, and any financing terms. Be wary of missing paperwork or sellers who insist on cash-only deals. If the seller won’t answer your questions clearly, that’s a red flag.

Budgeting and Total Cost

Look beyond the sticker price. Consider the full cost of ownership, including sales tax, registration, insurance, fuel, and maintenance. Avoid focusing only on monthly payments — what seems affordable now may cost more in the long run.

Curious about what you can afford? Use our Auto Loan Affordability calculator to estimate your monthly payment and find a loan that fits your budget.

Watch for Seller Red Flags

Rushed conversations, evasive answers, or lost titles are all warning signs. Trust your instincts. If something doesn’t feel right, there are always other cars and better deals.

Make It Easy with Members Auto

Skip the hassle and uncertainty by working with Members Auto (MABS), CCCU’s own car dealership. Our MABS experts will help you find a reliable, pre-inspected vehicle with competitive pricing and low-rate financing — all in one place.

Contact Members Auto today at 702-939-3115 or visit www.membersauto.com to start your worry-free used car buying journey.