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Your Rights When Buying A Used Car
by Fraser Wheelock
http://www.fwcar.com

Buying a used car is always a gamble, but knowing your
rights and the seller's responsibilities can help you find
a good deal. The so-called Lemon Laws enacted in various
states hold dealers who sell used cars to certain standards
and guidelines of business behavior. If you're looking for
a used car, it's to your benefit to know what rights the
law in your state gives you.

While the law in each state differs slightly from the
original, they all lay out which disclosures must be
made by the seller before a sale, and what warranties must
be honored when a sale is made.

1. Know your payment options.
Basically, you have two choices: pay the entire amount in
full, or finance the total amount over time. You can apply
for a car loan from a bank, but dealers offer a wide
variety of loan options. Unless you have your heart set on
one particular vehicle, shop around for the best price at
the right terms for your pocket. Before you close the deal,
make sure that you know:

- the price of the car
- how much cash you're putting down
- the amount that you're financing
- the finance charge (how much interest you'll pay)
- the APR (annual percentage rate)
- the length of the loan term (in months or payments)
- the amount of payments
- the total sales price

Paying in Full
In this case, paying cash for your car includes the option
of taking out a personal or car loan with your own bank in
order to pay the dealer off for your car all at once. To
the dealer, it's the same as being paid in cash, and you
may be able to use it as leverage to get a better price on
the car of your choice.

3. Read the Buyers' Guide for the car you are buying.
Used car dealers ARE required by law to post a Buyer's
Guide in each vehicle that they offer for sale. The Buyer's
guide must make certain disclosures and make some specific
statements. Among those statements and disclosures are:

You have a right to know the specific coverages that your
warranty gives you, and to have that warranty in writing.
A verbal warranty is virtually unenforceable, since there
is no way to prove objectively what was actually agreed
upon. If your dealer makes promises to repair problems
beyond the written warranty noted in the Buyer's Guide for
your car, make sure that the Buyer's Guide is modified to
reflect those promises.

You have a right to have the Buyer's Guide to used cars
on display at a dealership available to you. By law, a car
dealer must place the Buyer's Guide for each vehicle in the
vehicle. It must include:

Read the Buyer's Guide carefully so that you know exactly
what you are buying and what you are paying for it. If the
dealer agrees to terms that are different than those on the
Buyer's Guide, insist that those conditions be noted on the
Buyer's Guide. By law, in the event of a dispute in which
the terms of a contract are different than the terms on the
Buyer's Guide, the Buyer's Guide generally takes
precedence.

By knowing your rights and taking steps to protect them
when buying a used car, you can avoid buying 'someone
else's headache' and end up with a gem instead of a lemon.

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