Top 6 Questions to Ask a Car Dealer Before You Make a Commitment

Spending your hard-earned money on a vehicle that you’ll rely on for the next few years is always worth it, but what can you ask at the car dealership to make sure that you won’t be caught out by issues that you never questioned? (editado)

It is undeniable that buying a car can put a dent in your budget, but spending your hard-earned money on a vehicle that you’ll rely on for the next few years is always worth it. In saying this, you don’t want to put down a lump sum only to have problems later down the line. 

So, what can you ask at the car dealership to make sure that you won’t be caught out by issues that you never questioned?

What is the annual percentage rate (APR)?

Everyone has heard of ‘APR’ when discussing borrowed money, but not everyone understands the term, so this question shouldn’t be overlooked. It relates to how much interest will be added to the amount borrowed and, if the buyer is not prepared, it may come as a nasty shock. 

If you were to borrow £5,000 with an APR of 10%, you would pay an additional £500 every year. The lower the APR, the easier it is for you to pay back the loan, so it is best to go over your options with the vendor as soon as possible - and not be surprised later. For additional help regarding your finances, visit our car finance calculator.

How much will I pay every month?

The amount you will need to pay each month depends on three factors: how much you have borrowed, your credit score and the APR. At first glance, your monthly outgoings may appear simple to understand, but if you don’t keep a close eye on your expenses, it’s all too easy to lose track of the additional sums that make up your monthly total.


Before you adhere to all the terms in the contract, ensure your dealer goes over all of your expenses and breaks down each payment for you. Where possible, ask for additional detail on any payments you are still unsure about.

How many payments do I have to make?

Never finalise a deal if you are uncertain about any part of it, especially if the payment amount and schedule is unclear. Ask for a detailed breakdown of the number of  payments due, as well as their due dates, to help make sure that you never forget or miss a payment.

What is covered by the warranty? 

A warranty is your lifeline for any major purchase. Essentially, a warranty is a promise between you and the vendor that they will cover any repairs or replacements over a specific period of time. Warranties can ensure that you don’t find yourself on the receiving end of a debilitating expense.

While most car purchases come with a warranty of some kind, it is important that you spend some time going over the ins and outs of your deal at the dealership - nobody wants to be caught on the M6 with engine failure and no way to finance the repairs! For more information on how to get a warranty for your new car, visit our warranty page here.

Are there any hidden fees?

No one should sign anything before knowing exactly what they are putting their name to. Once you have successfully acquired your financing, it is important that you spend time reviewing every line of the agreement your dealer has prepared.

Issues to look out for include (but are not limited to): financing charges, sales tax and title, registration and dealership fees. If any of these costs are not immediately transparent, make sure you discuss them with your vendor.

What can you pay me for my current car? 

When you purchase a used car, you will most likely be able to trade in your current vehicle for a discount on your new car. It is important to enquire about this as soon as possible so your dealer can guide you through the process for your car to be accepted as part of the transaction.  

Ask around for quotes on how much your car might be worth to make sure that you are getting the absolute best deal that you can. Spend some time going through websites that offer valuations and come up with the average price so you have a corner to stand in when discussing the value of your old car.

At Quick Car Finance, we partner with trusted reputable dealers across the UK and may be able to help you finance a car with a 0 deposit option, minimising any concerns about burning a hole in your pocket with a hefty upfront payment.


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