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Looking for a great vehicle under $25,000? Check out our inventory!

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How To Buy A Used Car

We're Here To Help You Get The Right Used Car

Buying a used car can be a daunting task during an uncertain economy. If you need to buy a new-to-you used car, how do you make sure that you're buying the right ride for the right price?

Read on, because we've got tips on what to watch for when shopping around, so your search goes smoothly and ends with satisfaction.

Woman in yellow shirt sitting on the back of a convertible car looking at her smartphone


Buying a Used Car - The Financials

Check Your Credit Report

Before going car shopping, make sure you know your credit score to be aware of any possible issues that could affect financing. A higher score will not only show lenders you manage payments well but also determine whether they will charge you a higher interest rate due to a late payment or overextended credit history. If there are any errors in these credit files, contact the two significant bureaus - Equifax® and TransUnion® - to remove all incorrect information.

Set Your Budget

The best way to buy a used car is to set your budget before you start shopping. This will not only help you get the right vehicle but also prevent buyer's remorse after purchase. Compare all costs associated with buying a new or used car, including down payment, monthly payments, and the trade-in value of your current vehicle, if you have one.

One way to estimate the budget you'll need to buy a used car is to start looking at used cars for sale in your area, so you can see what's available, and the price ranges for the vehicles that suit your needs and preferences. Look at local dealerships and used car websites so you can get some perspective on pricing and plan accordingly.

Buying a Used Car - The Research

If you are serious about purchasing a used car, the best next step is to research the type of vehicle you want to buy and how much it will cost. This helps ensure you get what is best for your needs at an affordable price.

Do Your Homework Before You Buy

There are quite a few websites that help you find used cars near your area, including AutoTrader and cargurus.ca. Use the Kelley Blue Book to research a used car's worth. The KBB will tell you whether there are recalls or consistent problems with the specific year, make, and car model that you're considering. Look on local classified websites and in community newspapers to see what's for sale that's either exactly or similar to your preferred year, make and model. You can even use social media to ask your friends about their most recent car purchases and recommendations.

Should You Buy a Used Car From a Dealership or Private Seller?

When buying a used car, it's a great idea to consider buying directly from a car dealership for several reasons.

  • The dealership has inventory, so there are more vehicles to choose from.
  • Their service department has likely gone over the car and determined and fixed whatever needed repair before they sell it to you.
  • Dealerships typically offer better warranties and after-sales service than do independent car dealers.
  • Dealers typically offer warranties and protection plans. That warranty may pay for itself several times over!
  • Dealers will typically accept a trade-in of your old vehicle, rather than having to sell it yourself.


What's Next?

Now that you know the process, it's time to get started. Get pre-approved today: let us guide you through our easy finance application. Already pre-approved? Start shopping by browsing our inventory of used cars, trucks, vans, SUVs and more.


About Cargo

Cargo focuses on doing two things consistently. First, Cargo provides a wide selection of used cars, trucks and SUVs that will exceed your expectations in terms of quality, dependability, and overall reliability.

Secondly, Cargo offers flexible and affordable financing options that give you the financing you need for your purchase regardless of your credit history. Read more