SeaComm Federal Credit Union OFFICIAL BLOG

Tips for Buying a Used Vehicle

used vehicle

Are you in the market for another vehicle? We’ve gathered some tips to help you navigate the used-car buying process! Continue reading to learn more…


Find the right one for your lifestyle. You shouldn’t go out to used car dealerships and start the shopping process right away. First, you should search online for the type of vehicle you have in mind! With SeaComm’s online auto buying center, Garage Gizmo, you’re able to browse through a variety of new and used vehicles in your area. You can narrow down your search by year, make, model, fuel type, drive type and more!

Garage Gizmo also allows you to calculate your payment based on the price of the vehicle you would like to purchase, the trade-in value of your current vehicle, and the down payment you can afford. Click here to get started!



Look into the car’s history. This is the most important step to follow when shopping around for a used car. You should never buy a car without first verifying what you are purchasing by running a history report. With Garage Gizmo, you have access to FREE Carfax reports and Kelley Blue Book vehicle evaluations!


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Negotiate. How much car can you afford? That’s for you to decide – not the car dealer! A rule of thumb: if you are taking out an auto loan to pay for your next vehicle, your monthly payment shouldn’t be more than 20 percent of your take-home pay. If you’re on a shoestring budget, you may want to spend even less.

Call (800) 764-0566 to speak with a SeaComm representative today, to pre-qualify for an auto loan before you buy. Let your money talk to the dealer with a pre-approved loan!


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Close the deal. Once you’ve taken the vehicle for a test drive and negotiated the best price with the dealership’s salesperson, it’s time to finalize the transaction. It’s important to close the deal correctly the first time, to avoid after-sale hassles. You should also avoid paying registration, licensing or other fees in cash because if something goes wrong, you may have trouble getting your money back. Paying with your credit card or a check will provide you with a necessary paper trail!

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