Buying a certified pre-owned (used) vehicle

used vehicleMany car purchases start with one question: New or used?

There is nothing like a new car smell! When you buy a new car, truck or SUV, you can select from a wide variety of vehicles, colors and just the right features/benefits you desire. The manufacturer may offer cash rebates, incentives or lower interest rates to qualifying customers. You may even want to consider leasing a new vehicle to help you get a lower payment.

For a used car, there are many benefits as well. These include the possibility of a lower car payment versus a new car; the hit of initial depreciation on a used vehicle is less; and insurance costs are generally less on a used automobile.

In the end, the decision to buy new or used boils down to what you can afford and what will give you peace of mind.

If you do make the decision to purchase a used automobile, look for vehicles on the lot that say “Certified Pre-Owned.” Certified pre-owned vehicles must pass a rigorous inspection (determined by the manufacturer) and meet strict limits in terms of mileage and condition. You can review the different manufacturer’s certification programs online to see which one offers the most complete coverage.

Often, the manufacturer will offer the remainder of the manufacturer’s warranty while some buyers choose to add their own extended warranties. The Manufacturer’s Certified Vehicle Program is more reliable and can be used across the country.

Once you have selected your vehicle, find out exactly what the inspection covered and ask for a copy of the inspection to make sure the VIN number matches the vehicle you want to purchase. Next, you may want to ask the dealer about pricing for an extended service policy that will cover you after the manufacturer’s warranty has expired. Be smart and protect your investment.

Remember, RoadLoans is here to help you with your financing. Applying for a loan at is safe and easy! It’s a simple three-step application with instant confirmation.

If you are approved, you can download your loan documents and instructions online. RoadLoans can provide valuable resources on the car-buying process and prepare you for your dealership experience. RoadLoans empowers you to make your best deal! Don’t delay, apply today at

By Debbie Fields

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