Franchise dealer
  • Dealing with an expert
  • Can get Approved Used
  • Finance and warranty available
  • Likely to be most expensive
  • Tend to focus on newer cars
If you’re looking for a relatively young used car, a franchised dealer may be your best bet. You have the peace of mind of dealing with people who are experts in the car you’re thinking of buying, and they tend to have the best-quality cars.

You may also be able to buy the car through the car maker’s Approved Used programme (Vauxhall’s Network Q is perhaps the most well known, but pretty much every maker operates a similar scheme), which will give the car a series of pre-sales checks, confirm its history, and almost certainly provide some sort of warranty or breakdown cover.

Approved Used or not, a franchised dealer has the advantage that it can be a one-stop shop. It will almost certainly be able to provide you with options for finance and warranty, and most will be happy to part-exchange your existing car.

However, this level of service and back-up doesn’t come cheap. Buying from a franchised dealer will almost certainly be the most expensive way to buy a used car. But, you may well decide the service makes it money well spent.
Independent dealer
  • Lower prices than franchise dealer
  • No bias to one manufacturer
  • Can find specialists
  • May offer warranty and finance
  • Sites vary in quality
What we consider as an ‘independent’ dealer covers a huge range of places. At one end, you can find sites that rival franchise dealers for the level of service, knowledge and back-up they provide, but at the other, well, let’s just say it can be very different...

At the top end, you’re talking plush surroundings, the availability of competitive finance and warranty packages, and the likelihood they’ll take your old car in part-exchange. You may even find specialists in the particular make or model you’re interested in, possibly with more knowledge than a franchised dealer.

You can also find sites that specialise in nearly new cars, which are newer than the sort of stock you typically find at a franchise dealer, and they have no bias towards a particular maker. Wherever you go, the biggest advantage is that independents generally charge lower prices than franchised dealers.

However, you may not be able to find someone with intimate knowledge of the car you’re buying, as you would at a franchise dealer.
Car Supermarket
  • Low prices
  • Lots of cars
  • Mainly mainstream models
  • You may need to pay an admin fee on top of the car’s advertised price
As daft as it may sound, the ‘pile ‘em high, sell ‘em cheap’ mentality works as well in car sales as it does with baked beans and breakfast cereal. And, that one word – cheap – is the main attraction for buying a car at a supermarket.

Such sites tend to have a wide choice of cars (with a fast turnover of stock), and you may well be able to buy a car and drive it away on the same day. Most sites also offer finance, so they can be a one-stop shop.

However, supermarkets tend to concentrate on mainstream models, so if you’re looking for something a little out of the ordinary, you may struggle. Plus, there’s a chance they’ll offer low part-exchange prices, and it’s quite common for them to charge an ‘admin fee’ on top of the price of the car. However, if you’re getting a great price on the car you’re buying, that may be less of an issue.
Private sellers
  • Likely to be cheap
  • Less legal back-up for buyer
  • Can find dodgy dealers masquerading as private sellers
  • Tend to be older cars
Private sales can be a happy hunting ground for certain types of car. As the buyer doesn’t have to worry about keeping a business afloat with a big profit, prices can be very attractive.

It can be hard work buying from a private seller, as you need to find a convenient time to view and test the car, and you have less legal back-up than if you bought from a trader. That means you need to make careful checks before you buy.

Last, but not least, private sellers tend to be selling older cars, so if you’re looking for something newer, you may be better off looking at a trader.
  • Cheap prices
  • No test drives
  • Can’t get in cars, so hard to know what you’re buying
  • Admin fees added to price you pay
  • Not for the uninitiated
Auctions are great places to pick up bargains, but they’re usually the hunting ground of the trade, rather than private buyers. For the same reason, they’re not a great place for the inexperienced or uninitiated. It’s all too easy to get swept away by the speed and passion of the place, and end up with a poor deal.

Anyone considering buying at auction would do well to make a couple of non-buying visits, just to get a feel of the place.

It’s not always easy to know exactly what you’re buying in advance, as you won’t be able to test drive any car you’re interested in, and you have only the most limited chance to inspect any car.

You also have little legal back-up if there are problems with the car, and there will almost certainly be an admin fee to pay on top of the price of the car.

If you can take along someone from the trade to help, it’s worth considering, but otherwise it’s best left to the pros.