Looking for your next great used car deal? You’ve got options about where to find it, but which is better, a dealership or a private seller? It really comes down to what you need and how much convenience you’re looking for.

Dealerships Offer the Complete Package

When you buy a used car from a dealership, you’ll get a level of customer service that just doesn’t come with a private sale. Salespeople at a dealership want to earn your business, so you’ll come back when you need to have your car serviced and when you need to purchase your next vehicle. A private seller probably just wants to get rid of their car.

Take the Middleman Out of Financing

If you’re looking for a later model used car, most likely, you’ll need some financing. But how is your credit? You can go through a bank or financial institution, but if you want to cut out the middleman, a dealership that offers buy here, pay here financing can make things a
whole lot easier.

Buy here, pay here is faster, offering a more flexible approval process, so you can get a loan, even if you have some credit issues.

But What About Used Car Prices?

The benefits of buying from a dealership often come with a higher price tag. Some of the added costs can include overhead and dealership fees, so you may end up paying more for a vehicle than you would if you buy from a private seller.

Since a private seller doesn’t have to worry about overhead or profit margins, they may be more willing to negotiate price, and the price may even start closer to its market value.

Do You Like Extra Perks?

While the lower price tag you might see from a private seller may seem enticing, buying from a dealership comes with some added benefits. Most reputable dealerships will provide a vehicle history report for free. When you buy from a private seller, if you want to check the vehicle’s history for accidents or other mechanical issues, you’ll have to purchase the report on your own.

Used Car Warranty or No Warranty?

Some later-model used cars may come with an extended warranty when you buy them from a dealership. Certified pre-owned cars have this extra benefit built right into the price.

This is something a private seller can’t provide. You can still purchase an extended warranty on your own, but it might come with a higher price tag.
You’ll also get the benefit of an expert taking care of all the paperwork for you. This is especially helpful if you have a vehicle you want to sell or trade in. You can just bring it to the dealership, they’ll make you an offer, and you can use it toward your next purchase.

Choosing whether you want to buy a used car from a dealership or a private seller comes down to your personal needs and preferences. You can probably get a better price through a private sale, but you’re giving up consumer protections and possibly some added perks.