Paying for a car and driving it home
Buying a car part 1: New or used?
Buying a car part 2: Where to buy?
Buying a car part 3: What car?
Buying a car part 4: Getting a great deal
Buying a car part 5: Payment, paperwork and delivery
Difficulty: Hard
Time: 1 hour
What it's worth: thousands of pounds
What you need:
• A car you want to buy
• Pen and paper
• The current owner at hand
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Directions:
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Paperwork
There are three key documents you need to see before buying a used car:
Car logbook
1. Make sure the ‘New Keeper’ part of the V5C registration document (or 'logbook') is filled in and returned to the DVLA.
2. The number plate, make, model and VIN (vehicle identification number) should match those on the car.
3. Hold the document up to the light – if you can’t see a DVLA watermark it could be fraudulent
4. For more information read our V5C advice article.
MOT certificate
1. Ensure the MOT certificate is valid. New certificates are printed by computer – old ones should be embossed with the test station’s stamp.
2. To check if a new-style certificate is genuine, call the MOT enquiry line on 0870 3300 444.
3. A valid MOT certificate only proves the car was roadworthy at the time of the test. You should also check the car before buying.
Service history
1. Check the car has been serviced at the correct intervals specified by the manufacturer.
2. Look at each service stamp to see where it was carried out – was it a main dealer, specialist or local garage?
3. Ensure the mileage of the car rises at each service and the last service mileage tallies with the mileage shown on the odometer.
4. Ask the owner if they have kept servicing receipts – these prove the cost of any parts and repairs carried out on the car.
Paying for a car
1. When buying a used car, ask the seller to write a receipt stating the date, amount paid, make, model, registration and names and addresses of both parties.
2. Both parties should sign the document and make a copy.
3. If you're buying a new car, you'll be covered under the 'Sales of Goods' act and the dealer will usually accept a wide range of payments.
4. Take care when paying a private seller - bring a friend or relative with you before making payment.
5. Avoid carrying around large sums of cash – arrange to view the car during bank opening hours so you can make a transaction on the same day.
6. Choose one of the following ways to pay:
• Cash – try and hand this over in a bank, so the seller can pay it in straight away
• Electronic transfers - these allow the seller to receive funds online, but this can take a few days
• Cheque - make sure you have the correct funds in your account
• Credit - a loan can help spread the cost into smaller monthly payments
• Banker’s drafts - you can request these from your bank as an alternative to cash
7. Ask the seller which form of payment they prefer - not everyone will accept cheques or banker's drafts.
For more information on payment and avoiding scams, read our ways to pay guide.
Driving a car home
For used cars, it's a good idea to drive the car home on the day of payment. Make sure you're insured first and always test drive a car before buying it.
If you've paid for a new car, there may be a short wait for it to be delivered. Rare or prestigious models usually have long waiting lists - and you might have to wait a few months for extremely popular cars such as the Ford Fiesta.
Choosing an unpopular colour can often speed up the delivery time however. Read our story about one reader who got a great deal on a red Fiesta.
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More advice
Buying a car part 1: New or used?
Buying a car part 2: Where to buy?
Buying a car part 3: What car?
Buying a car part 4: Getting a great deal
Buying a car part 5: Payment, paperwork and delivery


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