THE BUYER’S NOTEBOOKComplete Used Car Buying Guide: 12 Steps for 2026
Buy a used car in 12 steps: set a budget, check the VIN and history, inspect, test drive, get a mechanic's opinion, compare loans and verify paperwork.
Read the guideThese guides cover how to inspect a used car, check its history, compare loans, negotiate and budget for ownership. Each one points to its sources and the calculators that go with it.
THE BUYER’S NOTEBOOKBuy a used car in 12 steps: set a budget, check the VIN and history, inspect, test drive, get a mechanic's opinion, compare loans and verify paperwork.
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How to buy a used car from a private seller: verify the seller and VIN, inspect, line up a loan, pay safely, clear any lien and transfer the title.
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How extra payments cut car loan interest, how to get a dated payoff quote, and when paying a loan off early won't save you much or costs you more.
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Work out a used car's out-the-door price by splitting the vehicle price, sales tax, title and registration, dealer fees and optional add-ons.
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Estimate what an EV charge costs from battery size, start and end charge, price per kWh and charging losses, plus cost per mile at home or in public.
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When refinancing a car loan saves money, when a longer term costs more, and how to compare payments, fees and total repayment between lenders.
Read guideSee how our guides are drafted, which sources they cite, and how to report a correction.
Buying outside the US? Find official history and ownership checks by country.