Buying a used car from a private seller: checklist
Private sales are usually “as is” with no Buyers Guide and no implied warranty, so the checks are on you: confirm the seller's ID matches the title, check the VIN, get an inspection, pay safely and complete the title transfer with your state DMV.
How it differs from a dealer
Private sellers generally aren't covered by the FTC Used Car Rule and don't have to provide a Buyers Guide; the sale is usually “as is” unless your written agreement says otherwise (FTC). There's no doc fee, but you'll still pay your state's tax and registration.
Checklist
- Ask for the VIN first; check recalls in Check a Car and run a history report (NMVTIS).
- See the title: the seller's name and ID should match, and note any lien holder.
- Meet in a safe public place; test drive.
- Independent pre-purchase inspection.
- Agree the price in writing (bill of sale with VIN, price, date, both signatures).
- Pay by a traceable method; avoid carrying large cash.
- Complete the title transfer and registration per your state DMV's rules.
Next step: Use the Before I Buy checklist →
Sources
Last reviewed October 12, 2026 by TrustBuy Expert. General information, not legal or financial advice.