Compare Buying a Car from a Dealership or Private Party, private party auto loans.#Private #party #auto #loans


Dealer Versus Private Party Purchases

Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

Ready to buy a used car? Have you decided whether you’ll visit a used car dealer or buy from a private party? Are you familiar with the differences between the two?

We’ve got the information you need to learn more about used car dealer purchases versus private party purchases, the pros and cons of each, and how to weigh them against each other to make the best decision for you.

Dealership Private Party Used Car Sales

When you decide to buy a used car, you can buy from either a used car dealer or a private party.

Generally, buying a used car from a dealer takes a lot of pressure off of you—the buyer—because typically the dealer handles all the nuts and bolts of car buying (such as paperwork); on the other hand, private party car sales mean you and the seller must take care of the entire transaction yourselves. On the flip side, you may find it much easier to negotiate a price you want with a private party, especially if they have a pressing need to sell.

This is just a glimmer of what to expect when buying a used car from a dealer versus private party car sales. Let’s take a look at some of the other pros and cons of each.

Dealership Purchases: Pros Cons

Pros to buying your used car through a dealership include the following:

  • As stated above, generally the dealer handles all the paperwork associated with ownership or title transfer and registration for you.
  • Most dealerships offer financing options.

  • You can always look into bank auto loans, but it’s still nice to have options you can compare.
  • Sometimes, dealerships offer warranties on their used cars.
  • Usually, cars from a used car dealer have been thoroughly inspected and, if necessary, repaired.
  • Some dealers sell certified pre-owned vehicles.

    • This means the used car has been through an official series of inspections and possible repairs, and comes with a special warranty.
  • You might have to visit only a few dealership locations to find the right used car for you.
  • You might already have a used vehicle you can use as a trade-in vehicle, which could act as part of the “new” used car’s down payment.
  • Buying a used car from a dealer offers you more legal protection than buying from a private party.

    • For example, because of the stringent laws dealerships must follow, you’re less likely to run into problems such as purchasing a lemon or undisclosed salvaged vehicle.
  • Consider these cons of buying with a dealership before making your purchase:

    • Sometimes, used car dealerships charge higher prices than do private parties (and leave less room for negotiation).
    • You must deal with a professional sales team, which could get pushy as they often rely heavily on sales commissions.

    • Unfortunately, these sales personnel may not have your best interests at heart; they want to make the sale so they can make their commission.
  • It’s easy to get distracted by special deals and lose sight of your bigger picture.

    • You might walk onto the lot knowing what you want, but a dealership’s holiday sales, sales pitches, and buyer incentives could derail you.
  • Private Party Purchases: Pros Cons

    The following are pros to buying your used car through a private party:

    • Many private parties use “blue book” value (generally from the Kelley Blue Book) to determine their asking price.

    • The KBB is an excellent resource for determining the true value of a used car.
  • Sometimes, you have more negotiating room with private sellers.

    • Again, you can refer to the KBB to get a seller’s original asking price lowered.
    • Also, sometimes sellers are eager enough to move their used cars that they’ll accept an “OBO” (“Or Best Offer”).
  • Although they want to sell their used cars, many private sellers aren’t as pushy as dealership salespeople can be.
  • Of course, buying from a private seller isn’t free of risks. Consider the following cons:

    • Private sellers aren’t bound by the same strict state and federal laws as are dealerships.
    • You won’t receive a warranty on the vehicle.

    • Most private sellers sell their used cars “as is,” meaning, you’re stuck with whatever problems pop up.
  • Generally, there are no trade-in options; sellers want cash, not your current vehicle.
  • Typically, a lot more footwork goes into finding the right used car from a private seller.

    • Unless you get lucky, you could find yourself visiting way more private sellers than you would used car dealerships—and you must research each and every one of those used cars.
  • Ordering a vehicle history report is easy enough, but having a trusted mechanic inspect the vehicle depends on the seller’s time—not yours.
  • You and the private seller are responsible for all the paperwork.

    • Such paperwork can include the bill of sale and/or transferring the title, as well as transferring the registration and handling all related taxes and fees.
    • Most often, these transactions mean a trip to your department of motor vehicles or equivalent agency.
  • Depending on your state of residence, it’s up to you to make sure the vehicle is up to date on its smog and inspection requirements.
  • Dealer or Private Party: Your Choice

    Going over our list of pros and cons above might make you feel as if buying a used car from a dealer is the way to go—and for many, it is.

    However, that’s not to say that buying a used car from a private party is without its perks. Even with all the paperwork and other transactions you must handle yourself, buying from a private seller sometimes is more convenient.

    Weigh the pros and cons against your personal situation (what kind of budget do you have? How much time can you spend? Who is offering the exact used car you want?) before you make your choice. Don’t enter either transaction on a whim.

    Related Products Services

    Buy Your Next Car with Confidence

    Get your detailed vehicle history report in 3 easy steps!

    Bill of Sale Form

    You’ll likely need a bill of sale when buying or selling a vehicle in a private party transaction.


    Classic Cars for Sale on Car And Classic, private car sales.#Private #car #sales


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    I am selling my Rover P6 2200 Auto. The car has had 2 previous owners, a dealer and my grandfather, who owned the car for the best part of 35 years. It has full history and a number of original documents

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  • Compare Buying a Car from a Dealership or Private Party, private party auto loans.#Private #party #auto #loans


    Dealer Versus Private Party Purchases

    Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

    Ready to buy a used car? Have you decided whether you’ll visit a used car dealer or buy from a private party? Are you familiar with the differences between the two?

    We’ve got the information you need to learn more about used car dealer purchases versus private party purchases, the pros and cons of each, and how to weigh them against each other to make the best decision for you.

    Dealership Private Party Used Car Sales

    When you decide to buy a used car, you can buy from either a used car dealer or a private party.

    Generally, buying a used car from a dealer takes a lot of pressure off of you—the buyer—because typically the dealer handles all the nuts and bolts of car buying (such as paperwork); on the other hand, private party car sales mean you and the seller must take care of the entire transaction yourselves. On the flip side, you may find it much easier to negotiate a price you want with a private party, especially if they have a pressing need to sell.

    This is just a glimmer of what to expect when buying a used car from a dealer versus private party car sales. Let’s take a look at some of the other pros and cons of each.

    Dealership Purchases: Pros Cons

    Pros to buying your used car through a dealership include the following:

    • As stated above, generally the dealer handles all the paperwork associated with ownership or title transfer and registration for you.
    • Most dealerships offer financing options.

    • You can always look into bank auto loans, but it’s still nice to have options you can compare.
  • Sometimes, dealerships offer warranties on their used cars.
  • Usually, cars from a used car dealer have been thoroughly inspected and, if necessary, repaired.
  • Some dealers sell certified pre-owned vehicles.

    • This means the used car has been through an official series of inspections and possible repairs, and comes with a special warranty.
  • You might have to visit only a few dealership locations to find the right used car for you.
  • You might already have a used vehicle you can use as a trade-in vehicle, which could act as part of the “new” used car’s down payment.
  • Buying a used car from a dealer offers you more legal protection than buying from a private party.

    • For example, because of the stringent laws dealerships must follow, you’re less likely to run into problems such as purchasing a lemon or undisclosed salvaged vehicle.
  • Consider these cons of buying with a dealership before making your purchase:

    • Sometimes, used car dealerships charge higher prices than do private parties (and leave less room for negotiation).
    • You must deal with a professional sales team, which could get pushy as they often rely heavily on sales commissions.

    • Unfortunately, these sales personnel may not have your best interests at heart; they want to make the sale so they can make their commission.
  • It’s easy to get distracted by special deals and lose sight of your bigger picture.

    • You might walk onto the lot knowing what you want, but a dealership’s holiday sales, sales pitches, and buyer incentives could derail you.
  • Private Party Purchases: Pros Cons

    The following are pros to buying your used car through a private party:

    • Many private parties use “blue book” value (generally from the Kelley Blue Book) to determine their asking price.

    • The KBB is an excellent resource for determining the true value of a used car.
  • Sometimes, you have more negotiating room with private sellers.

    • Again, you can refer to the KBB to get a seller’s original asking price lowered.
    • Also, sometimes sellers are eager enough to move their used cars that they’ll accept an “OBO” (“Or Best Offer”).
  • Although they want to sell their used cars, many private sellers aren’t as pushy as dealership salespeople can be.
  • Of course, buying from a private seller isn’t free of risks. Consider the following cons:

    • Private sellers aren’t bound by the same strict state and federal laws as are dealerships.
    • You won’t receive a warranty on the vehicle.

    • Most private sellers sell their used cars “as is,” meaning, you’re stuck with whatever problems pop up.
  • Generally, there are no trade-in options; sellers want cash, not your current vehicle.
  • Typically, a lot more footwork goes into finding the right used car from a private seller.

    • Unless you get lucky, you could find yourself visiting way more private sellers than you would used car dealerships—and you must research each and every one of those used cars.
  • Ordering a vehicle history report is easy enough, but having a trusted mechanic inspect the vehicle depends on the seller’s time—not yours.
  • You and the private seller are responsible for all the paperwork.

    • Such paperwork can include the bill of sale and/or transferring the title, as well as transferring the registration and handling all related taxes and fees.
    • Most often, these transactions mean a trip to your department of motor vehicles or equivalent agency.
  • Depending on your state of residence, it’s up to you to make sure the vehicle is up to date on its smog and inspection requirements.
  • Dealer or Private Party: Your Choice

    Going over our list of pros and cons above might make you feel as if buying a used car from a dealer is the way to go—and for many, it is.

    However, that’s not to say that buying a used car from a private party is without its perks. Even with all the paperwork and other transactions you must handle yourself, buying from a private seller sometimes is more convenient.

    Weigh the pros and cons against your personal situation (what kind of budget do you have? How much time can you spend? Who is offering the exact used car you want?) before you make your choice. Don’t enter either transaction on a whim.

    Related Products Services

    Buy Your Next Car with Confidence

    Get your detailed vehicle history report in 3 easy steps!

    Bill of Sale Form

    You’ll likely need a bill of sale when buying or selling a vehicle in a private party transaction.


    Classic Cars for Sale on Car And Classic, private car sales.#Private #car #sales


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  • Private car sales

    Engine renewed from crankshaft up, new bushes, seals, rings, gaskets etc.. Frame powder coated Wheels respoked to new rims All paint new Runs and rides beautifully Phone 07554 607538

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    What a find, Leyland ue600 6cyl diesel engine. 1952. Covered just over 40 hrs from new on a generator and it shows, starts and runs like new. Complete in frame, electric start but also comes with

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    This is an opportunity to buy a fully sorted and ready to go, successful and highly competitive, drum brake 50s sports car. Developed over the last few years, the car has a successful history in Europe

  • Private car sales

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  • Private car sales

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    I am selling my Rover P6 2200 Auto. The car has had 2 previous owners, a dealer and my grandfather, who owned the car for the best part of 35 years. It has full history and a number of original documents

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    partly restored in the late 90 s, v5c present in my name same owner since 09 05 93, non transferable number but 3 letter 3 number reg. engine was totally rebuilt all new seals bearings new standard

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  • Private car sales

    This is one of those special cars that do not often come onto the market. To rebuild an MGA to this standard, with the impressive range of upgrades should cost well in excess of £50,000. This is an excellent

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  • Kelley Private Party Value, Used Car Values for Private Car Sales, private party auto loans.#Private #party #auto #loans


    Kelley Private

    is Willing to Pay For It

    The Kelley Private Party Value is, in my opinion, the most worthless of the four values that Kelley Blue Book (KBB) provides.

    Ouch! I know that may have come across a little rough, but I’ll explain why in a second.

    Although, I don’t think it is a very significant number, I’d like to show you some ways to use the Kelley Private Party Value if you are looking to buy a car via a private party car sale and want to wiggle a seller down.

    If you are considering selling a car via private party car sales, then I’d also like to show you why it’s best to ignore this number if you want to maximize profits.

    Why I Consider It

    To Be A Fairly Worthless Value

    I consider it to be fairly worthless, because it is not a very easy value to get accurate data on.

    Sure Kelley Blue Book could check registration data and sale prices through the Motor Vehicle Departments records, but how many buyers and sellers actually report accurate numbers with private party car sales.

    It usually benefits both the buyer and the seller to report a lower sale price.

    For instance, if the actual sale price was $10,000, but the buyer reports only paying $5,000 for the vehicle, then they pay half in taxes.

    From the sellers stand point, why not go along with that. If the buyer ever tries to sue for their money back down the road, the seller is only liable for the provable sale price of half, or $5,000.

    It also seems overly convenient to me that the private party value established by Kelley Blue Book almost always falls neatly, and squarely, between their retail value and wholesale value.

    I don’t think Kelley Blue Book has quite the handle on the private party value as they’d like you to believe.

    How A Buyer Can Use It

    To Negotiate A Better Price

    Whether I believe it to be a worthless number or not, there are thousands upon thousands of consumers that consider Kelley Blue Book values to be the “end all be all” of used car values.

    If Kelley Says So, Then It Must Be So!

    You can oftentimes use that mentality to your advantage if you are dealing with a somewhat stubborn private party seller and you feel they are asking too much for their car.

    Simply use the Kelley Private Party Value (assuming it’s less than the sale price) as a reference to show them, without appearing insulting, that this is what the “whole world agrees” this car is worth via a private party car sale.

    Use other peoples perceptions, of Kelley Blue Book as the leader in used car values, to your advantage here.

    Ignore This Value If You

    Are Selling A Car Private Party

    If you are selling a car private party, then don’t start out asking the private party value for your car. If you do this and someone eagerly comes along and pays the full asking price, then you probably just left money on the table.

    Always start high, especially if the vehicle you are selling is in good shape and/or has extras that Kelley Blue Book would only give a limited or even no value for.

    and on, and on, and on.

    Always price the vehicle just a bit higher than you’d feel comfortable asking for it. You never know someone may just come along and pay it all.

    Trust me, it’s a heck of a lot easier to go down in price then to go up. If you’re still concerned, then be sure to always list the sales price with OBO (or best offer).

    Of course, if you are in a serious hurry to sell the vehicle, then you may have to settle for a less profitable deal and these tips may not apply.

    If you are sure you’ll be selling your vehicle via a private party car sale, then you’ll definitely want to read my How To Sell A Car Guide. This will help simplify the process and will help you to maximize profits!

    If after all this you feel you’d still like to reference the Kelley Private Party Value, then by all means do so, but keep in mind that Kelley Blue Book is simply a guide. Nothing more and nothing less.


    Basics of Private Party Loans – Payment Between Individuals #o #reilly #auto


    #private party auto loans
    #

    Private Party Loans

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Private party loans can refer to a few different things. The traditional (and most common) type of loan is an auto loan used to purchase a used vehicle. Instead of buying from a dealer. you re buying from a private party. so getting a loan is a little bit different.

    Some of these loans are a great deal for all involved.

    Private Party Auto Loans

    In the age of Craigslist and similar sites, finding a used car is easy. But finding funding isn t as simple. If you buy from a dealership, they ll offer (or push ) financing, which they ve arranged with local or national lenders, and it s hard not to walk out without getting a loan.

    When you re dealing with a private seller, lenders are more hesitant. They don t know anything about the vehicle — it s your responsibility to figure out what it s worth.

    However, banks and credit unions know that there is money to be made in lending money, so they offer private party loans.

    Private party auto loans are similar to standard auto loans, but they tend to come with a slightly higher interest rate, and they generally won t last as long (banks are taking more risk with a used vehicle, so they want to limit their risk).

    Where to Get One

    To get a private party auto loan, you ll need to apply, and approval will be based on the same factors that affect every loan: mainly your credit scores and your debt to income ratios ; the lender wants to see that you ve got enough income to repay the loan, and that you re familiar with borrowing money.

    Continue Reading Below

    If you can t qualify, you can always try using a co-signer .

    Numerous banks and credit unions offer these loans. A quick search will show you some of the big banks in the market, but you should also shop smaller institutions. If you aren t having any luck with a big bank, try a small local bank or credit union. which might be more accommodating.

    Other Types of Private Loans

    Sometimes loans between individuals create a win-win situation: great for lenders (who earn more than they can at the bank) and borrowers (who pay less interest than they would at the bank). When borrowers have poor credit, private loans may be the only option available, although they generally come with higher rates.

    Where to Borrow

    There are basically two ways to find private party loans: peer to peer lending services and people you know. To borrow from strangers, visit a peer to peer lending site and apply for a loan. Even if you set up a private party loan with somebody you know, these sites may help with loan documentation and servicing.

    Documentation

    Documentation is a key to any private party loan. Make sure everything is spelled out in writing, and everybody understands and agrees. While it may seem overly formal, documentation can prevent headaches and heartbreaks in the future.

    To document your private loan, write an agreement or use somebody else’s. For larger loans, it’s probably best to use a professionally prepared agreement — a lot can go wrong, and good loan agreements anticipate pitfalls.

    For private party loan documents, search the web, work with a local attorney, or use a peer to peer lending service that specializes in these loans. For example, LoanKin sells agreements and even processes payments on mortgages and other loans.


    WA State Licensing (DOL) Official Site: Transfer ownership of a vehicle when buying from a private party #auto #connection


    #auto bill of sale
    #

    2. Gather the information you ll need

    Find out how much it will cost by contacting a vehicle licensing office location .

    3. Complete all necessary forms

    • Vehicle/Vessel Bill of Sale Completed by you and the seller.
      • Enter sale price This is used to calculate the use tax .
      • Enter zero if it s a gift or inheritance.
    • Vehicle Certificate of Ownership (Title) Application Sign it in front of a:
      • notary public, or
      • licensing agent at an office .

    4. Submit your forms and payment

    Submit the following to an office :

    • Vehicle/Vessel Bill of Sale,
    • Vehicle Certificate of Ownership (Title) Application,
    • The current vehicle title, and
    • Payment contact an office for the exact amount.

    If needed, also submit:

    • Emissions testing report,
    • Affidavit of Loss/Release of Interest, or
    • Odometer Disclosure Statement.

    Getting your title

    How quickly do you want your title?

    • You can visit or mail your forms and payment to an office .
    • It will take 8 10 weeks to get your title.

    If you need it faster than 8 10 weeks:

    • You can visit or mail your forms and fees to a Quick Title office * .
    • It ll cost $50 plus the title fees.

    * Note: Quick titles aren t available for snowmobiles, vehicles or boats reported as stolen, insurance or wrecker-destroyed vehicles and boats, or vehicles with WA Rebuilt on the title.

    5. Get new license plates

    Since the vehicle has changed ownership, you ll need to get new plates.

    There are exceptions Plates don t need to be replaced if:

    • You re removing a deceased spouse or domestic partner from the title.
    • You got your vehicle from:
      • your spouse or domestic partner,
      • a family member as a gift or inheritance, or
      • a trust in which the registered owner or their immediate family members are the beneficiaries of the trust.

    6. Add the vehicle to your License eXpress account

    • See when your vehicle s tabs are due.
    • Make sure your address is up-to-date.
    • Sign-up or update email renewal notices and more.

    Private Party Car Loans At myAutoloan #used #auto #parts #search


    #used auto loans
    #

    We can arrange your private party car loan online safe & easy

    Private party car loans can relieve you of paying out-of-pocket for a car that s not from a dealer, auto broker or car lot. Even better, private party car loans are an affordable option for almost any budget. The fast and simple application provided by myAutoloan.com can match you with up to 4 of our lenders with unbeatable rates, all within minutes on the web.

    myAutoloan is happy to be a financial resource that connects customers directly to real lenders with competitive rates so they can secure the car of their dreams. The private party auto loan application only takes about two minutes, is completely confidential, and is free of price and obligation.

    You ll be matched with our trusted lenders and on your way to a check or online certificate confirming your new auto loan in as little as 24 hours. By arranging your private party car loan now, you’ll be better prepared to purchase your next vehicle with no worries or hassle attached.

    Don t wait get your next private party car loan today from myAutoLoan.com.


    Health – Dental Insurance, private health insurance canada.#Private #health #insurance #canada


    #

    private health insurance canada

    For all other maintenance services:

    • Year 1 and 2: 60%
    • Year 3 and subsequent: 80%
    • Year 1 and 2: 0%
    • Year 3 and subsequent: 60%

    oral surgery, endodontics, periodontics, orthodontics, crowns, bridges and dentures.

    • Year 1: $400
    • Total maximum for 3 consecutive benefit years: $1,250

    If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $250.

    If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $300.

    $500 per 3 consecutive benefit years.

    Standard: $250 per 2 consecutive benefit years. If frames or prescription lenses are purchased at a Costco Optical store, the above benefit maximum increases to $300.

    Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.

    PVS Preferred Vision Services is offered through The Manufacturers Life Insurance Company.

    Includes visits to: Acupuncturists, Chiropractors, Osteopaths, Podiatrist, Naturopaths, Chiropodists and Registered Massage Therapists

    • Maximum claims paid:

    $400 per specialist/therapist

  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
    • Maximum claims paid:

    $400 per specialist/therapist

  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
    • Maximum claims paid:

    $400 per specialist/therapist

  • Maximum per visit: $20
  • Maximum visits per anniversary year: 20
  • Chiropractic X-rays: $35 per anniversary year
    • Maximum per first visit: $80
    • Maximum per subsequent visit: $65
    • Maximum visits per anniversary year: 10
    • Maximum per first visit: $80
    • Maximum per subsequent visit: $65
    • Maximum visits per anniversary year: 10
    • Maximum per first visit: $80
    • Maximum per subsequent visit: $65
    • Maximum visits per anniversary year: 10
    • Maximum per first visit: $65
    • Maximum per subsequent visit: $45
    • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
    • Maximum per first visit: $65
    • Maximum per subsequent visit: $45
    • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
    • Maximum per first visit: $65
    • Maximum per subsequent visit: $45
    • Maximum visits per anniversary year: 10 (15 visits from age 65 and beyond)
    • Under age 65:

    $400 per 4 consecutive benefit years

  • Age 65 and beyond:

    $500 per 4 consecutive benefit years

    • Under age 65:

    $400 per 4 consecutive benefit years

  • Age 65 and beyond:

    $500 per 4 consecutive benefit years

    • Under age 65:

    $400 per 4 consecutive benefit years

  • Age 65 and beyond:

    $500 per 4 consecutive benefit years

  • Discount offers the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network.

    Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Registered Nursing Assistant, Healthcare Aide, Certified Home Support Worker, Occupational Therapist, or Registered Dietitian; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs, hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices program.