10 top tips for buying a used car

Buying a used car can be a great way to save money while still getting a vehicle that suits your needs. However, with so many options and factors to consider, it can be tricky to know what may be the right choice for you. From choosing the right model to inspecting its condition and negotiating for a used car for a fair price, there are plenty of steps that can make or break your purchase.

Here are some tips on what to look out for when buying a used car to help you make a confident and informed decision. These tips will guide you through the process and ensure you avoid common pitfalls, to find the car that’s right for you.

Finding a seller you can trust

One of the most important factors in buying a used car is making sure you're buying from a seller you can trust. Whether you’re buying from a dealer, or a private seller, trust should be a top priority.

For dealers, look for those who are established and have a good reputation. Check for customer reviews online to see what previous buyers have experienced.

If you're buying privately, do some background research on the seller. If they are hesitant or unwilling to give details about the car’s history or answer your questions, it may be a sign something might be off.

Check the car's history

Before making a purchase, always check the car's history. Most websites allow you to access the vehicle’s past using the Vehicle Identification Number (VIN). This can help you spot any past accidents, ownership issues, or hidden problems that might not show up at first glance.

Daytime viewing

Whether you’re buying from a dealer or a private seller, it’s important to view the car in daylight, and it’s even better when the weather is dry. Low light or rain can easily hide any flaws or damage that might otherwise be noticeable.

If you can, bring along someone who knows a bit about cars for a second opinion. Having someone you trust can help guide you through the decision-making process.

Check the tires

Tires can tell you a lot about a car’s condition. Check for even wear on all four tires as uneven wear could point to alignment or suspension problems. Also, make sure the tires have enough tread depth. If they need to be replaced soon, this could add unexpected costs to your purchase.

Inspect the engine

Open the engine compartment and take a quick look around. You don’t need to be a car expert, just keep an eye out for any signs of leaks. Also, make sure to look underneath the car to see if there are any noticeable fluid stains, which could point to a potential problem.

Take the car for a test drive

Always take the car for a test drive before buying. It gives you a chance to see how it feels on the road and check for any obvious issues. Test the brakes, steering, and acceleration to make sure everything functions properly. It’s also a good idea to test all features like the air conditioning, radio, and lights to ensure they’re working too.

Don’t rush the decision

It’s important not to rush into buying a used car. Take your time to evaluate your options and ensure that the car meets your needs and expectations. If something feels off or you’re unsure, walk away. There are plenty of used cars out there, and you don’t want to make a decision you’ll regret later.

Don’t be afraid to negotiate

When it comes to buying a used car, there’s always room to negotiate. Need to know how to negotiate buying a used car? The best tip is to be informed about the car you’re looking to buy. Even if the car seems in good condition, you may still have leverage based on factors like the car’s age, market value, or any minor issues that could be addressed. Sellers often expect some negotiation, so make sure you’re comfortable with the price before agreeing. Doing a bit of research on similar cars in the market can help you make a reasonable offer and potentially save you some money.

Gather the necessary paperwork

Once you’re happy with the car and ready to move forward, make sure all the required paperwork is in order. First, confirm that the vehicle is taxed and that the tax disc is in place. Review the Vehicle Licensing Certificate (VLC) to ensure the seller’s name and address are correct. Check the Vehicle Identification Number (VIN) on both the car and the paperwork, making sure it matches the car history report, as well as the NCT certificate if applicable.

Set up your insurance

Before taking your newly bought car for a spin, make sure to arrange your insurance coverage. It’s crucial to have the proper insurance in place before driving, as it's a step that can easily be forgotten amid the excitement of buying a used vehicle.

If you’re thinking of getting a used car, an Avant Money Car Loan can help. You can borrow from €5,000 to €75,000 with flexible loan terms from 12 to 84 months*. Apply online, and if eligible, approval in principle can be given in minutes.

With fixed interest rates, your repayments will stay the same, and there are no set-up or early repayment fees. Avant Money’s online eligibility checker can help you understand if you’re likely to be approved, and you can complete the application process online.

Use our handy Loan Calculator to find out how much you can borrow today.

Rates and loan terms are correct as of 24th March 2026 and are subject to change. The Maximum APR (Annual Percentage Rate) on all Avant Money loans is 19.9%. Minimum loan term is 12 months, and maximum term is 120 months. Loan terms vary depending on the purpose of the loan. Terms greater than 84 months up to a maximum of 120 months are only available for Refinance and Home Improvement loans of €20,000 to €75,000.

Representative example: On a €30,000 loan over 5 years, at a fixed rate of 6.5% (6.7% APR) you will pay €586.98 a month. The total cost of credit would be €5,219.07 and the total amount repayable would be €35,219.07.

Lending criteria, terms and conditions will apply. Personal Loans are available to residents of the Republic of Ireland over the age of 18 and are subject to repayment capacity and financial status. Proof of income and a credit reference agency search will be required to help us approve your request. Personal Loans are unsecured and not available for business purposes, house purchase or investment.

Our interest rates vary depending on the value of your loan and credit profile. We will assign you the appropriate interest rate once your application has been reviewed. To find out more about the loan values and applicable interest rates, check out our rate table at Avant Money Personal Loans.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.