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How to avoid online car buying scams Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive tools and financial calculators as well as publishing unique and impartial content. We also allow you to conduct your own research and compare data for free and help you make informed financial decisions. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that are advertised on this site are from companies who pay us. This compensation can affect the way and where products appear on this website, for example such things as the order in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage or home equity products, as well as other home loan products. But this compensation does have no impact on the information we publish, or the reviews that you read on this site. We do not cover the entire universe of businesses or financial offers that may be available to you.



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5 min read Published October 13, 2022
Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of borrowing money to purchase the car they want.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing clear, well-researched information that break down complex topics into manageable bites.









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Buying a car online from the comfort of your living room by just a few clicks has its perks, but it also brings some risk. Similar to the rest of the internet, scams have crept into the space. Beware of common scams to ensure you don't make a loss while shopping for an automobile. The most common online scams for buying cars These are the scams FTC (Federal Trade Commission) offers guidelines for online car sales. However, there are several common scams to look out for when . Identity theft Some scammers do not just want to swindle you out of funds, but also to collect your personal data. They will request information like the details of your Social Security number, birthdate or banking number. Don't share your personal information with potential buyers, excluding your name and number. If you do apply for a position an opportunity, ensure that the seller is authentic, licensed and has positive reviews. Otherwise, it may be preferential to make an application outside of the dealershipor go to a location where you can confirm that the seller is honest and trustworthy. False advertisements When seeking private sales, you may see advertisements that don't list the VIN, or vehicle identification number. If you're not able to verify that the car is actually present -- that is, see the vehicle in person, and be sure that the VIN is correct Don't pay. It's not unusual for scammers to show vehicles in ads without actually having it. Even if the car exists, make sure it's not classified as stolen and it has a clean vehicle history report. The scam of "curbstoning" occurs where a dealer claims to be private sellers with the intention of selling the vehicle in violation with normal dealer regulations which means it has a salvaged title or is damaged. A salvaged title can create major problems when it concerns insuring the vehicle. You can avoid this scam by staying away from vehicles sold online from vacant lot, on the side of the road or at the home of the seller. Like every private auction, ensure you confirm the seller's identity and VIN are legitimate before you sign a contract to purchase. Buying sight unseen Never agree to buy a car without having seen it. It's not just best to take your car for a test drive , but buying sight unseen could mean that the car may not appear as the photos suggest or even exists in the first place. If the seller pressures you or asks you to make a quick purchase before you view the car in person, it is likely a fraud. Ask for wire transfers or gift card If the potential seller asks for an electronic transfer to make the vehicle payment, walk away. This is a method used by scammers to take your money , but with no guarantee of a vehicle. Wired money isn't trackable and is very difficult to retrieve. It means that you could be left with no car , and there is no possibility of reimbursement. Similar to scammers who want payment via wire transfer, some sellers will ask for gifts cards in exchange for payment. Again, walk away. Gift cards cannot be traced and means that the seller is probably trying to scam you. Title washing washing is an attempt to cover up damage caused by a wreck, or other problems in the vehicle's history. If you do have to pay for it, always get a vehicle history report on the VIN. It's not guaranteed to show you everything the vehicle has been through, but it can assist you in avoiding falling victim to a fraudster seeking to sell a risky car. Fake escrow account While this scam can go both ways, you should be aware of the use of a fake escrow account when buying a car online. Utilizing an escrow account is a legitimate way to keep both parties protected from fraud. However, scammers may use a fake escrow account to convince you to deposit funds directly into the seller's bank account. When it comes time to pick up the vehicle and to transfer the title the seller has stopped being accessible to contact and you're stuck with no option to recover your money. Is online car buying an ideal choice? If you go through an authentic service, buying a car online can be just as safe as the dealership. If you choose to go with a private seller, don't be a victim of a scam happening deter you. If you are a savvy buyer You'll more likely not get fooled and will be more likely to drive away content with your purchase. Benefits of online car buying If you know the types of are the most common scams and look up a reliable source, buying a vehicle online is a good idea for many reasons. Primarily, it saves time. You don't have to go to several dealerships and have to deal with physically browsing through inventory on numerous occasions. Online shopping gives you unlimited options for shopping. Because you don't have to limit yourself to what you can find in a store, you may be able to find a better match for your needs. There's no pressure to sell since, at the end of the day, you'll be scrolling through websites on your computer or phone without having to deal with sales representatives from a professional. If you opt for something similar to Carvana or Vroom, you'll have access to nationwide delivery. There could be a modest charge, but if find the right car, it might be worth it. The drawbacks of buying a car online In addition to scams, there are number of reasons why people choose traditional dealers: Big online sources do not allow for negotiation. You can deal with private sellers but you'll run the risk of being caught in fraud. Some lenders will not provide financing for a private sale while you're looking on the internet. If they do, you may be surprised to find the costs are higher than with an used or new car loan. You may not be able perform an in-person inspection until you meet with the seller , or arrange for the car to be delivered. Also, it could be harder to have a mechanic inspect the car when you buy it online. What to do if you've been scammed If you think you've been a victim of an online scam There are some actions you need to follow. You can file a complaint directly with the fraud center. Contact your state attorney general. Make a report to the FBI's . Report the fraud to the . It could become difficult, or even impossible, to receive your cash back if you made it through a wire transfer or handed over gift cards. However, keep track of the transactions you made with your bank in the event that you have entered information on a fake website. If you spot any suspicious activity, contact your bank to report the fraud and reset any usernames or passwords linked to the account. The bottom line: If the price of a car seems too good to be true the likelihood is that it is. A car purchase online can be a very safe option to buy a secondhand vehicle. But you need to keep an eye out for typical scams and rely on your gut. If you notice something that seems suspicious then it's probably. In the end of the day, there's plenty of used vehicles on the market. You are able to opt to walk away from a deal and look for a more legitimate seller on trusted websites -- or go with a used car dealership. Find out more


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ins and outs of securely using loans to buy a car.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are enthusiastic about helping readers gain the confidence to manage their finances through providing clear, well-researched facts that break down complex subjects into digestible pieces.






Auto loans editor




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