Used Cars

Used Cars

Buying used is one of the smartest ways to save money on your next vehicle—new cars can lose thousands in value the moment they leave the lot. But every used car has a history, and doing your homework before you buy can protect you from costly surprises down the road. This guide walks you through what to research, what to inspect, and what to ask—so you can drive away with peace of mind and a great deal.

Start Your Used Car Search with Confidence

Use the USSFCU Car Buying Service powered by TrueCar® to compare prices, see what others paid, and find pre-owned vehicles from trusted dealers—all from the comfort of home.

Start Your Search with TrueCar

Used Car Buying Checklist

Whether you're buying from a dealer or individual seller:

  • Check vehicle value: Use tools like Kelley Blue Book, NADA Guides, or Consumer Reports to determine fair market value.
  • Get a vehicle history report: Use the VIN to check title and accident history at vehiclehistory.gov.
  • Check for recalls: Enter the VIN at nhtsa.gov or call the National Highway Traffic Safety Administration (NHTSA) hotline at 1.888.327.4236.
  • Ask for maintenance records: Consistent service records are a good sign of responsible ownership.
  • Research repair costs: Look up the expected maintenance and reliability of the make/model you're considering.
  • Use an inspection checklist: Find one online or in car-buying guides to evaluate wear and tear, tire condition, and key systems.
  • Test drive thoroughly: Drive in various conditions and test everything—buttons, knobs, brakes, AC, and more.
  • Consider a professional inspection: Even if everything looks good, a mechanic can spot issues you may miss.

Here’s a test-drive checklist from TrueCar.

Understanding Vehicle History Reports

Check a car’s history before you buy. Carfax and AutoCheck are two well-known and reputable providers of vehicle history reports. You can also visit the National Motor Vehicle Title Information System (NMVTIS) website, vehiclehistory.gov, which lists NMVTIS-approved providers.

Know Your Rights: The Buyers Guide

The FTC requires dealers to display a Buyers Guide on every used car for sale. This guide explains:

  • Major systems to inspect
  • Whether the car is sold “as is” or with a warranty
  • What percentage of repairs the dealer covers (if any)
  • Why it's important to get all promises in writing
  • How to request a Spanish version (if applicable)
  • Where to file a complaint if needed

Learn more at ftc.gov/usedcars

Used Car Warranties

Used vehicles may no longer be covered by a manufacturer warranty, so consider extended protection. Be sure to:

  • Read warranty terms carefully
  • Confirm what is and isn’t covered
  • Shop around to compare plans

Mechanical Repair Coverage from USSFCU offers affordable, flexible protection for major vehicle repairs—plus perks like roadside assistance, rental reimbursement, and more.

Learn More About MRC

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. We do not endorse or guarantee the accuracy of third-party information.

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