When buying a used car, one of your first decisions is whether to buy from a dealer or a private seller. Both have advantages and disadvantages.
Buying From a Dealer
Advantages
1. Legal Protection
The Consumer Rights Act 2015 gives you significant protection when buying from traders:
- Car must be as described
- Car must be of satisfactory quality
- Car must be fit for purpose
- Right to reject within 30 days for faults
- Right to repair or replacement within 6 months
2. Finance Options
Dealers can offer PCP, HP, and other finance options. Section 75 protection applies if using credit.
3. Warranty
Many dealers offer warranties (though check what's actually covered).
4. Part Exchange
Easy way to sell your old car as part of the deal.
5. Preparation
Cars are usually cleaned, serviced, and MOT'd before sale.
Disadvantages
1. Higher Prices
Dealers add margin for profit, overheads, and preparation. Expect 10-20% more than private.
2. Pressure Tactics
Some dealers use sales pressure, add-on selling, and limited-time offers.
3. Hidden Fees
Admin fees, documentation fees, and other charges can add up.
Buying Privately
Advantages
1. Lower Prices
Private sellers typically price lower than dealers – no margins or overheads.
2. Direct History
You can ask the actual owner about the car's history, problems, and maintenance.
3. No Pressure
Generally a more relaxed buying experience without sales tactics.
4. Negotiation
Often more room to negotiate, especially for quick sales.
Disadvantages
1. Minimal Legal Protection
Private sales are "buyer beware" – the car only needs to be:
- As described
- Roadworthy
- Seller's to sell
No right to return for faults you should have spotted.
2. Higher Risk of Fraud
More opportunity for scams – clocked cars, outstanding finance, stolen vehicles.
3. No Warranty
Once you've bought it, any problems are your responsibility.
4. More Homework Required
You need to do all the checks yourself.
Which Should You Choose?
Choose a Dealer If:
- You want legal protection and warranty
- You're financing the purchase
- You're less confident inspecting cars
- You want convenience over savings
- You're part exchanging
Choose Private If:
- Budget is the priority
- You're confident with car inspections
- You'll do thorough checks (vehicle history, inspection)
- You're paying cash
- You want direct access to the car's history
Essential Checks for Private Purchases
If buying privately, always:
- Run a vehicle history check – Check finance, stolen, and write-off status
- Check MOT history – Free at GOV.UK
- Verify the V5C – Seller should be registered keeper
- View at the V5C address – Don't meet in car parks
- Check VIN matches – V5C, windscreen, and door pillar
- Get a receipt – With seller's full details
- Consider an inspection – AA/RAC or independent
The Bottom Line
Both options can work well if you do your homework. The key is understanding your rights and taking appropriate precautions.
Regardless of where you buy, a vehicle history check is essential protection for just £9.99.
