Mission: Get reliable transportation without wrecking your paycheck or credit.
BEFORE YOU SHOP
Lock in financing first
- Best option: Credit Union
- Next best: Bank
- Last resort: Dealership
- Loan length: 42 months or less (shorter = less interest)
Set your budget
- Monthly payment you can afford plus insurance, gas, and maintenance
PICK THE RIGHT CAR
Buy reliability, not looks
- Use Consumer Reports (or your base library)
- Check J.D. Power Vehicle Dependability Study
- Narrow to 2–3 proven models
KNOW THE REAL PRICE
Check fair value on:
- Edmunds
- Kelley Blue Book (KBB)
- NADA
Compare:
- Year
- Mileage
- Trim level
- Condition
SHOP SMART
Use:
- Autotrader
- CarGurus
- iSeeCars
Private sellers = usually cheaper
Dealers = faster financing, higher cost
⚠️ Never assume the dealer will “handle the paperwork.”
CALL BEFORE YOU COMMIT
Ask the seller:
- Is it still available?
- Any known issues?
- Clean title or salvage/rebuilt?
- Can I see the VIN report?
- Can I test drive it?
Ask dealers:
“Is this the out-the-door price with all fees included?”
CHECK THE VIN HISTORY
VIN reports show:
- Accidents or damage
- Title issues
- Ownership history
Free checks:
- NICB
- iSeeCars
- VehicleHistory
TEST DRIVE + INSPECT
Before driving
- Leaks, dents, worn tires
- Warning lights
- Headlights, brake lights, turn signals
During driving
- Smooth acceleration & braking
- No shaking, clunking, or strange noises
- Drive at different speeds
If it feels off walk away.
NEGOTIATE FIRST
- Negotiate total price, not monthly payment
- Ask about all fees and taxes
- Agree on price before inspection
GET A PROFESSIONAL INSPECTION
- Most used cars are AS-IS
- Pay a mechanic you choose ($150–$250)
- Any deposit must be refundable in writing if it fails
Skipping this step = expensive regret.
CLOSE THE DEAL
Title
- Seller has it
- Name matches
- All signatures correct
Financing
- Compare dealer offer to pre-approval
- Switch only if the rate is better, and the terms don’t change
Warranties
- Avoid third-party warranties
- Only consider manufacturer-backed coverage if needed
FINAL WORD
Slow down. Ask questions. Trust your gut.
A smart car buy protects your money, credit, and freedom.
If it feels rushed or shady walk.
Semper Fi
Paul Davis SgtMaj (USMC Ret)
