Finance A Car
(Used Car Buyers Guide)

 Buying a Car

 Finance a Car

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Used Car Buyers Guide

The used car Buyers Guide lists an auto's 14 major systems and some serious problems that may occur in each.

The used car Buyers Guide list may help you and your mechanic evaluate the mechanical condition of the car you are buying. The list also may help you compare warranties offered on different cars or by different dealers.

The back of the Buyers Guide lists the name and address of the dealership. It also gives the name and telephone number of the person you should contact at the dealership if you have problems or complaints after the sale.

The dealer may include a buyer's signature line at the bottom of the Buyers Guide. If the line is included, the following statement must be written included, the following statement must be written or printed close to it: "I hereby acknowledge receipt of the Buyers Guide at the closing of this sale." Your signature means you received the Buyers Guide at closing. It does not mean that the dealer complied with the Rule's other requirements, such as posting a Buyers Guide in all the vehicles offered for sale.

If you buy a used car and the sales discussion is conducted in Spanish, you are entitled to see and keep a Spanish-language version of the Buyers Guide.

The Buyers Guide must tell you:

• whether the vehicle is being sold "as is" or with a warranty

• what percentage of the repair costs a dealer will pay under the warranty

• to get spoken promises in writing

• to keep the Buyers Guide for reference after the sale

• the major mechanical and electrical systems on the car, including some of the major problems you should look out for

• to ask to have the car inspected by an independent mechanic before you buy.

When you buy a used car from a dealer, get the original Buyers Guide that was posted in the vehicle, or a copy. The Guide must reflect any negotiated changes in warranty coverage. It also becomes part of your sales contract and overrides any contrary provisions. For example, if the Buyers Guide says the car comes with a warranty and the contract says the car is sold "as is," the dealer must give you the warranty described in the Guide. When the dealer offers a vehicle "as is," the box next to the "As Is - No Warranty" disclosure on the Buyers Guide must be checked. If the box is checked but the dealer promises to repair the vehicle or cancel the sale if you're not satisfied make sure the promise is written on the Buyers Guide. Otherwise, you may have a hard time getting the dealer to make good on his word. Some states, including Connecticut, Kansas, Maine, Maryland, Massachusetts, Minnesota, Mississippi, New Jersey, New York, Rhode Island, Vermont, West Virginia and the District of Columbia, don't allow "as is" sales for many used vehicles.

Three states–Louisiana, New Hampshire, and Washington–require different disclosures than those on the Buyers Guide. If the dealer fails to provide proper state disclosures, the sale is not "as is." To find out what disclosures are required for "as is" sales in your state, contact your state Attorney General.

State laws hold dealers responsible if the cars they sell don't meet reasonable quality standards. These obligations are called implied warranties–unspoken, unwritten promises from the seller to the buyer. However, dealers in most states can use the words "as is" or "with all faults" in a written notice to buyers to eliminate implied warranties.

There is no specified time period for implied warranties.

We have additional information throughout this site on buying a car, financing a car, car warranties, tips on what to look for to be sure you get the best car you can for the money you are spending, and much more!

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