If you’re on the hunt for your next car, you need to consider plenty of things before taking the plunge. Budget, upfront costs and car finance are all worth working out ahead of time. 

Yes, dealers are industry experts and know their way around the forecourt. But, arming yourself with research and a series of questions to ask at the dealership will give you the best chance of finding a deal that works for you. 

Not sure where to start? Here are 7 essential questions you should bring to the dealership: 

What can I afford?

Face to face with a dealer, unless you know your budget ahead of time, you could be persuaded to spend beyond your means. So sit down before you go and work out what you can reasonably afford. 

You need to consider how much the car will cost to run, insurance, tax, ULEZ, servicing and repairs. And the best way to figure this out is to look at what you are already spending each month on your vehicle. 

Equally, it’s good to work out your average monthly spend. What do you spend on utilities, your phone, food and entertainment? After looking at your spending habits, you can draw up a realistic budget. 

What car finance deals are available?

Did you know that car finance deals are not exclusive to dealerships? Online, you will find comparable, flexible and affordable deals that are suitable to your circumstances. From Personal Contract Purchase (PCP) and Hire Purchase (HP) to leasing, there is a car loan perfect for you.

Moreover, you can get a car loan approved before you step foot in the dealership. 

However, it never hurts to ask what’s available on the day, as long as you have done a spot of research ahead of time. 

You will find, however, that dealership finance is less likely to cater for customers with a poor or limited credit history. They simply won’t want to take a risk on you not making your monthly payments. That’s where a bad credit car loan comes in. Whether you have an IVA, CCJ, bankruptcy or default on your credit report, these specialist lenders will look at your circumstances to help you get behind the wheel and boost your credit score. 

What’s included with my purchase? 

Chances are if you are buying your car with finance, then there will automatically be a few perks thrown in, such as servicing. But it’s always good to ask the dealer outright. 

If you’re buying a brand-new car, a manufacturer’s warranty (3 – 7 years coverage) will be included to cover any system faults or repairs. But did you know that nearly new vehicles might still have their original warranty attached? 

As well as perks, it’s always good to ask about mileage limits and any other hidden conditions of sale. 

Can this car be sold legally? 

This may seem like an odd question, but any vehicle with outstanding finance attached can’t be sold on until it has been resolved. 

All cars for sale must follow the Consumer Rights Act and must be sold as described, fit for purpose and be of satisfactory quality. If it doesn’t meet these conditions, you are entitled to return the vehicle within six months of sale for a full refund. 

Alongside mandatory sales conditions, dealers must declare if the vehicle you want is roadworthy, if it has had a prior repair and isn’t an insurance write-off! 

Can I see all the paperwork? 

Chances are, if you are standing in a reputable dealership and you’re after a brand new car, then all the paperwork will be squeaky clean and live up to all the required industry standards. But, you are still entitled to ask. 

If you are buying a nearly new or used vehicle, it’s in your best interest to ask for all the paperwork. You can check the service history, previous owners, if any repairs have been made and if the mileage is correct. 

If you are presented with the VC5 green slip, then the dealer hasn’t received all the relevant paperwork yet. 

Does the vehicle have an MOT? 

Again, an MOT is an expectation that all reputable dealerships and sellers will fulfil. But it’s always prudent to ask. 

Before you can drive off the forecourt, both you and the dealer are legally required to ensure the vehicle has an MOT unless you are taking it away on a trailer. 

Can I book a test drive? 

Before you agree to buy any vehicle, it’s always best to take it out for a spin first. Behind the wheel, you can tell a lot about how well the car handles on the road and if there are any concerns that need to be raised with the seller. 

Make sure you: 

• Drive on different types of road
• Test the brakes
• Feel comfortable 
• Listen out for odd engine noises 
• Keep your eyes peeled for smoke or strange smells 

If anything raises a red flag, speak to the dealer or seller. If it’s something that can be fixed ahead of sale or reduce the price, it’s always worth a discussion. 

Equally, if you feel uncomfortable at any point or this isn’t the motor for you, feel free to walk away. 

Ahead of time

When it comes to buying a new or used car, the internet should be your first port of call. There you can compare different models, trims, engine sizes and more to find out what you should expect to pay. 

You can also read expert and other customer reviews to determine fuel economy, performance and value for money. 

So before you step into the dealership, make sure you’ve done a spot of homework. It puts you in a better position and protects you from blowing your budget or getting caught out on the day. 

Are you looking for your next dream motor? Asking the right questions at the dealership will ensure you don’t get caught out and get the best possible deal for your situation.