How to buy a new car alone

How to buy a new car alone
November 3, 2017 Lauren Howells

how to buy a new car alone

Buying a new car alone can be intimidating. Other than buying a house, purchasing a new car is one of the biggest expenses many of us will face in our lifetimes.

Without the support of someone else, the feeling of responsibility that comes with making such a big purchase can sit heavily on our shoulders.

If you are buying a new car alone, CashLady has come up with a few tips and tricks which should help to make the process that little bit easier.

Be prepared when buying a new car alone

Many of us are not experts when it comes to knowing exactly what to look for when buying a car. Preparing ahead is key, particularly if you are buying a new car alone.

If you go to a garage, it is all too easy to slip into agreeing with the positive patter from the salesperson. They want to help you, right?

Maybe, maybe not. We are not saying that all car salespeople are a different breed of human, solely after your money, but it pays to assume that this may be the case.

Write down a list of questions before heading to the garage and take them with you. This will help you to make sure that you are the one leading the conversation, not the person who is trying to sell you something. It will also ensure that you do not forget to ask something that is important to you.

Which brings us to our next point…

Know exactly what you want

Maybe you want a red Golf automatic, with under 70,000 miles. Or a Honda CrV, with a sunroof and a spare wheel on the to buy a new car alone

Think about your ideal car, make a list of its features, then try to split the list out into ‘wants’ and ‘needs’.

Be realistic within your budget. Research what you can afford by looking at cars online, on sites such as Autotrader.

‘Needs’ are things that you simply must have. Take this list with you to the garage or your appointment with a private seller. Do not be talked out of any of your ‘needs’.

If you think one of your ‘needs’ may be a bit unreasonable for your budget, go away and think carefully about it. Never make a decision to compromise ‘needs’ on the spot.

This way, you are less likely to walk away and regret your purchase further down the line.

Buying a new car alone: Garage or private seller

If you search for advice about this online, you will see that there are plenty of people who passionately sit on both sides of the fence.

In short, there is no right or wrong.

Both come with their own list of pros and cons.

Private sellers can often be cheaper, for example, as they don’t have a garage’s overheads. However, buying with a private seller is arguably more of a risk, as it doesn’t come with some of the same legal protections you get when buying through a garage.

The Money Advice Service has more information about this on its website.

Know exactly what you are buying

Go with your instincts and do your research.

If something feels wrong, it probably is.

Citizens Advice has information on its website about the steps you can take to help ensure that what you are buying isn’t stolen or illegally altered.

Financial help when buying a new car alone

Buying a new car alone can put a serious strain on the purse strings.

Many of us are not lucky enough to be able to buy a car outright.

Luckily, there are various different types of finance that you may be able to take out to help you fund your purchase, such as hire purchase or a personal loan.

As always, it is important to fully understand any financial product you are signing up to and to ensure that you can comfortably afford to meet any repayments.


Buying a new car alone does not have to be scary.

By making sure that you are prepared, have done your research and know how much you can afford to spend, the process will seem much less intimidating.

And remember, if it is on the ‘needs’ list, do not let anyone talk you out of it and try to sell you something else. Go away and take time to think about it, before making any compromises.

Listen to feedback about your requirements and your budget but always research this advice yourself before making a decision.

If one garage does not have what you want (or seems extremely keen on you buying something else), there is always another one willing to listen and provide you with the car to suit your needs.