Pre-Owned Car List

Step 1: Crunch the numbers

If you’re paying with cash, you already have a budget in place. If you’re taking out an auto loan, get your pre-approval before visiting the dealer’s lot.  Apply for a loan at PFCU online or in person.

Step 2: Search for different makes and models on

Narrow down your choices to three or four model cars.

Step 3: Research

Look for listings of your vehicles of choice. When you have some options to consider, obtain their vehicle history reports.  Many dealers on WheelZone will offer history reports or you can use

Step 4: Contact the seller

Verify the information you’ve learned about each car and see if it’s still in stock. If everything checks out, set up an appointment for a test drive.

Step 5: Test drive

During the test drive, pay attention to the acceleration, legroom and visibility of the car.

Step 6: Have it inspected

You can take the car to a mechanic for a professional inspection, or your pre-owned vehicle may be certified pre-owned (most pre-owned vehicles are) and have a warranty.  Purchasing an extended warranty through PFCU will add protection.

Step 7: Negotiate

Make an opening offer based on what you have determined to be the average price for your car.

Step 8: Make it official

Read the contract carefully before signing and be sure to get insurance.

You’re all set to take your new car for its first spin!