Buying a used car is a big decision. You need to consider things like whether the car will be reliable, if you can trust the seller, and what to do if there’s an issue.
We discuss whether it’s better to go with a dealership or a private seller when buying a used car, including what you can do to assess the seller.
Buying from a private seller
Buying a used car privately will likely be cheaper but may be slightly riskier unless you know the seller.
You’ll have much less protection than buying through a dealer, so you should be careful before you agree to buy.
You’re entitled to expect the car is roadworthy unless the buyer and seller clearly agree it’s bought for scrap or for spares and repair.
You’re also entitled to expect that the vehicle is ‘as described’. But you don’t have the right to expect that it’s of satisfactory quality or fit for its purpose unless the seller had previously said that it was (ideally in writing, like on an advert).
You’re responsible to make sure the car is as described. The seller is under no obligation to reveal any problems the car may have. The only thing the seller can’t do is lie outright about the car’s history or condition.
Once the sale is finalised and the transaction is completed, even if the car breaks down within a week, it’s unlikely you’ll be able to take any action against the seller.
Buying from a dealer
Buying a used car from a dealer is likely to be more expensive but can be less risky. If you buy from a dealer you’ll have a few legal protections, including the Consumer Rights Act 2015.
It says that when buying from a dealer, the vehicle must be:
- of satisfactory quality
- fit for purpose, and
- as described
Satisfactory quality means the vehicle should be be of a reasonable standard considering its age, value, history, mileage, make and description.
For example, we wouldn’t expect an old car with a high mileage to be as good as a younger car with less miles on the clock.
If an issue does come up and fits into one of the three criteria above within 30 days, you’re entitled to request a full refund.
If a problem comes up between 30 days and six months after you’ve bought it, you may be able to get the car replaced or repaired by the dealer or, if not, get a refund.
The dealer is responsible for issues with the vehicle when it’s sold, but if you’re made aware of them before the sale, they’re not responsible. You’re not protected for wear and tear, or if you just change your mind.
Additional support and care
Buyers can expect a used car on sale at a dealership to be prepared for sale.
The car is likely to have been valeted and had any large stone chips removed. It may also have been serviced and will probably come with a warranty.
There are some additional things which private sellers can’t give:
- Managing the part exchange of an existing vehicle
- Arranging finance to help with the sale
- Dealers must check if the car has any outstanding finance or if it’s stolen
If the used car is offered on a manufacturer-approved used scheme, buyers have the backup of the manufacturer and the supplying dealer.
Finally, dealers generally care about their reputation and want happy customers who will recommend them to their friends and family, so they should prioritise caring for their customers.
Price or peace of mind
Buying a used car privately is mostly attractive because it’s cheaper.
However, it’s important to recognise that buying from a dealer does give you more peace of mind even if it’s more expensive.
Some car finance dealers will also do checks for you if you’re buying a vehicle through car finance.
For instance, Admiral Car Finance work with over 8,000 reputable dealers in the UK and carry out our own checks to give you that extra peace of mind. Find out more about hire purchase.
