Buying from a Private Seller
Buying 'private party' means purchasing directly from another person instead of a dealership. No salespeople, no Finance office, and usually better prices—but also no warranty (guarantee to fix problems) and fewer legal protections. Many private sales are 'as-is' (what you see is what you get). Your protection is careful verification before you pay.
Private Sales Are AS-IS
Many private sales are “as-is.” If the car breaks down the next day, you may have limited options. Use the checklist below to protect yourself before money changes hands.
Curbstoners: Unlicensed dealers pretending to be private sellers. If the seller’s name doesn’t match the title, ask why and verify carefully.
Title Issues: Salvage, rebuilt, or flood titles can be risky. Many buyers avoid them; if you consider one, get an expert inspection and price it accordingly.
Payment Scams: Be cautious with wire/instant-transfer apps for large amounts. A safe pattern is meeting at a bank and using a verifiable payment method.
Private Sale Checklist
Don't skip steps. They count on you being lazy.
Phase 1: Verify Before Meeting
Private sales have zero protection. Research is everything.
Run VIN Before Meeting
Don't waste time on problem cars.
Verify Seller is Owner
Ask for driver's license to match title (the legal ownership document).
Know the Market Value
Use KBB (Kelley Blue Book) 'Private Party' value—not dealer retail.
Plan Secure Payment
Cash or cashier's check at YOUR bank.