Saving & Spending Home & Auto

10 Reasons to Always Buy a Used Car From a Dealership

Before you purchase through a private seller, consider these reasons to buy from a used car dealer instead.

couple signs a contract for the purchase of a car
Updated April 10, 2025
Fact checked

Are you in the market for a used car? You might be tempted to look for a great deal from a private seller, so you don't have to visit a used car dealer.

Used car dealers sometimes get a bad rap. But in truth, there are some good reasons to buy from a dealer. You might even save money and boost your bank account.

Here are a few reasons why you should consider heading to a dealer instead of shopping somewhere else.

If you’re over 50, take advantage of massive discounts and financial resources

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today”
  • Create your account (important!) by answering a few simple questions
  • Start enjoying your discounts and perks!

Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $15 the first year with auto-renewal.

Become an AARP member now

You have a greater variety of cars to choose from

alfa27/Adobe black family examining car

In most cases, a private seller has just one car available for purchase.

On the other hand, a used car dealer will have a variety of makes and models, so you can compare different options and find one that works for you.

You get more payment options

JD8/Adobe finalizing insurance agreement

A private sale for a used car usually requires you to pay everything in cash at the time of purchase.

However, you should be able to finance a car through a used car dealer. Banks and online lenders also might offer financing.

Dealers often inspect vehicles

THANANIT/Adobe  saleswoman recieving the credit card

Dealers will often inspect cars before putting them up for sale. The dealer may also make necessary repairs and maintenance.

Borrow up to $50k to finally crush your debt

If you have thousands in debt and you’re barely making it paycheck to paycheck, you know how suffocating it is. Debt is always on your mind. It controls your life. And even if you make on-time payments, they’re so expensive that you have nothing left over.

A personal loan could help you get out of this situation and lift your monthly debt burden significantly. You could finally pay off all of your debt at once, get rid of the sky-high interest rates, and slash your debt load to one manageable monthly payment.

AmONE is a marketplace where you can find some of the best personal loans available. They match you with loans up to $50,000 with rates as low as 2.49%. That’s better than most credit cards. And easier than draining your bank account every month. Seeing what you qualify for doesn’t affect your credit score, and if you’re approved, you could get money the next day.

See what you can get

You might get warranty coverage

alfa27/Adobe  woman with car keys

Once a transaction with a private seller is complete, don't expect the seller to help you if the car has issues in the future.

On the other hand, used car dealers might offer a warranty for a vehicle you buy.

A dealer might have a return policy

Minerva Studio/Adobe family talking to the salesman

A lot of car shoppers do not realize that some used car dealers offer a return policy.

Check with your local dealer to see if it offers a policy that allows you to return the car after a few days if you decide it's not for you. Laws can vary by state, so make sure you clearly understand how these policies work.

Dealers might offer you a vehicle history

Pormezz/Adobe woman hand receiving car

It's important to do your research before buying a car. You can learn more about a car's repair and accident history by using a website such as Carfax or AutoCheck.

You'll probably have to do this work on your own with a private sale. By contrast, a dealer will often provide you with a vehicle history report.

Service contracts often are available

Aleksandr/Adobe car dealer

Some dealers have service departments and offer service contracts. Asking a used car dealer about a service contract is a smart car owner move so you can consider whether it's right for you.

Dealers are subject to more regulations

Anton.Matushchak/Adobe cars stand in the parking lot

Used car dealers may have a bad reputation, but they are also more regulated than private sellers.

Dealers have to honor agreements made with you, such as warranties. They also have to tell you whether the car is being sold "as is." This can give a car sale greater transparency than you would get when buying from a private seller.

Certified pre-owned vehicles might be available

Prostock-studio/Adobe receiving car keys

Buying a certified pre-owned vehicle can give you peace of mind. With these cars, the dealership has inspected the car and repaired it to exacting standards before putting the vehicle up for sale.

A certified pre-owned vehicle may also come with an extended warranty.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

You might get to trade in your old car

tavrox/Adobe couple holding car keys

A used car dealer may offer you trade-in value for your old car that can be credited to the vehicle you are purchasing.

A trade-in can push a car's cost lower and eliminate the hassle of trying to sell your old vehicle in a private sale.

Bottom line

chinnarach/Adobe hand outstretch from windows car

These are just some of the reasons to consider buying a used car from a dealer.

It's also important to look for other easy ways to lower your costs. Shopping around so you save money on car insurance is another way to cut car expenses, for example.

  • You could save up to $600 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you