Complete Car Buying Checklist

Print this checklist before you go. Check off each item to ensure you don't miss anything important.

Before Visiting the Dealer

Research & Preparation

  • ☐Research vehicle market value (KBB, Edmunds, NADA)
  • ☐Check actual listings for comparable vehicles
  • ☐Get pre-approved financing from bank/credit union
  • ☐Email 4-6 dealers for OTD quotes
  • ☐Read dealer reviews (Google, Yelp, Reddit)
  • ☐Determine your maximum OTD price (and stick to it)
  • ☐If trading in: get offers from CarMax, Carvana, other dealers

Documents to Bring

  • ☐Driver's license
  • ☐Proof of insurance
  • ☐Pre-approval letter from your lender
  • ☐Printed email quotes from dealers
  • ☐Down payment (check or proof of funds)
  • ☐Trade-in title (if applicable)
  • ☐Your research notes/price comparisons

At the Dealership

Vehicle Inspection

  • ☐Check exterior for dents, scratches, paint issues
  • ☐Inspect all tires for wear and matching brands
  • ☐Check interior for wear, stains, odors
  • ☐Test all electronics (radio, AC, windows, locks)
  • ☐Look under the hood for leaks or damage
  • ☐Check under car for rust or damage
  • ☐Verify VIN matches paperwork

Test Drive

  • ☐Test drive for at least 20-30 minutes
  • ☐Drive on highway AND city streets
  • ☐Test brakes at various speeds
  • ☐Listen for unusual noises
  • ☐Check steering alignment (should go straight)
  • ☐Test transmission (smooth shifts)
  • ☐Park and check visibility

CPO Verification

  • ☐Request signed CPO inspection checklist
  • ☐Get vehicle history report (Carfax/AutoCheck)
  • ☐Verify CPO status with manufacturer (call with VIN)
  • ☐Get CPO warranty terms in writing
  • ☐Check for open recalls (NHTSA.gov)

During Negotiation

Price Negotiation

  • ☐Negotiate OUT-THE-DOOR price only (not monthly)
  • ☐Get all fees itemized in writing
  • ☐Question any fee you don't understand
  • ☐Use competing quotes as leverage
  • ☐Be willing to walk away if needed

NEVER Say:

  • ✗ "I love this car!"
  • ✗ "My budget is $X"
  • ✗ "I can afford $X per month"
  • ✗ "I need a car today"
  • ✗ "I don't know much about cars"

In the F&I Office

Before Signing Anything

  • ☐Verify final OTD matches negotiated price
  • ☐Read EVERY document before signing
  • ☐Check interest rate matches pre-approval (or better)
  • ☐Verify loan term is what you agreed to
  • ☐Look for any added products you didn't request
  • ☐Take your time - don't let them rush you

Products to REFUSE:

  • ☐ VIN etching ($200-$400)
  • ☐ Rustproofing/undercoating ($500-$1,000)
  • ☐ Paint/fabric protection ($300-$800)
  • ☐ Nitrogen tires ($200-$400)
  • ☐ Dealer "Pro Pack" or similar bundles
  • ☐ LoJack/GPS tracking (unless you specifically want it)
  • ☐ Extended warranty at dealer price (buy elsewhere if needed)

Before Driving Away

Final Verification

  • ☐Received both sets of keys
  • ☐Received owner's manual
  • ☐Received CPO warranty documentation
  • ☐Received signed inspection checklist
  • ☐Received vehicle history report
  • ☐Received copies of ALL signed documents
  • ☐Floor mats included
  • ☐Temp tag/registration paperwork
  • ☐Gas tank filled (or at least half)

After Purchase (Within 30 Days)

  • ☐Register vehicle with DMV (if dealer doesn't)
  • ☐Add vehicle to insurance policy
  • ☐Review all paperwork carefully at home
  • ☐Set up online loan account (if financed)
  • ☐Schedule first oil change/service
  • ☐Report any issues found during initial driving period

Print This Checklist

Bring this checklist with you to the dealership. Check off items as you go.