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Buying a Used Car or Light Truck

Score a deal. Avoid lemons.

Let the buyer beware


Buying a used vehicle can be a good investment because you avoid the rapid depreciation of new cars. Be strategic to avoid problems down the road.

Research is not optional

Get the vehicle history

Obtain the vehicle’s VIN number, the manufacturer’s 17 digit serial number. This can usually be seen by looking through the windshield on the driver’s side. Another common spot is inside the driver’s door.

Navigate to Carfax. Reports begin at $39.99 each. It’s not free but it could save you a bundle. The history report will tell you:

  • if the vehicle was totaled in an accident and then salvaged
  • if the vehicle has suffered flood damage
  • if the odometer has been rolled back
  • if this vehicle has a history as a “lemon”
  • if there are any junked titles or lien activity on this vehicle
  • how this vehicle has been used (taxi, rental, lease)
woman relaxing in car

Take a test drive and kick the tires

Check for these common problems

  • Make sure all door and hood joints line up evenly.
  • If the oil is black and thick, it’s a fair bet that the vehicle has not been maintained properly
  • Check the tire tread for uneven wear. That could indicate an alignment problem.
  • Hear knocking or creaking noises when going over bumps? It might be a bad suspension.
  • On a test drive, remember to drive at a high enough speed to allow you to shift into overdrive.
  • When accelerating during a test drive, look for smoke in your rear view mirror
  • Check for oil spots under the vehicle after the test drive
  • Never buy a vehicle without an inspection sticker
friends laughing in car

See today’s vehicle loan rates

New & Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2020 and newer

Loan Term

1-72 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2019

Loan Term

1-66 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2018

Loan Term

1-60 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2016

Loan Term

1 - 48 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2015

Loan Term

1 - 42 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2014 - 2011

Loan Term

1 - 36 months 

Interest Rates (APR*)

1.25%* to 13.00%

How much will my payment be?

Research finished? Apply for an auto loan today.

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