Questions-to-Ask Checklist (Free PDF)

Bring this list with you to a dealership, or use it on the phone before you go in. The goal is simple: make sure the car, the numbers, and the paperwork match—so you can decide with confidence.

CarMatchLane is not a dealer, lender, or financial advisor. We help you find and get connected with local used-car dealers based on what you want. Dealers handle the car, the price, and any financing decisions.

Before you sign, always ask for the out-the-door price and the financing terms in writing. If something is unclear, ask again. If you feel pressured, pause and come back when you’re ready.

Start with the basics: what you’re being offered and what condition it’s in. A used car can be a great value, but you want clear, specific answers.

Ask:
- What is the vehicle history (accidents, title status, mileage issues)?
- Has it been inspected by a mechanic? If yes, what did the inspection include?
- What work has been done already (repairs, tires, brakes, fluids)?

If you can, ask to see the car and have time for a careful look. Then consider using our guide on inspecting a used car: How to inspect a used car.

Monthly payments can hide the real cost. Ask for the full breakdown so you understand the total price. You’re looking for the numbers that add up to what you’ll pay at signing.

Ask for an “out-the-door” price and a written breakdown that includes:
- Sale price (the vehicle price)
- Taxes (if applicable in your state)
- Title, registration, and documentation fees
- Any add-ons (warranties, protection plans, etching, etc.)
- Any required dealer charges

Also ask: “What is the total cost with every fee included?” and “What part of this can change, and what is fixed?” If you’re comparing offers from different dealers, compare the out-the-door total—not just the monthly amount.

For more help estimating costs and what usually drives them, see: Used-car costs to expect.

Dealers may work with different lenders, and approval and rates depend on your details, the car, and the lender’s rules. Nobody can guarantee approval.

Ask financing questions in plain terms. Examples:
- What lenders do you submit to?
- What are the available APR ranges (or the rate options) for buyers like me?
- What is the total cost of the loan (including interest), not only the monthly payment?
- What is due at signing (down payment, fees, first payment timing)?

Truth-in-Lending matters: the APR and the total finance charges tell you the real cost. Ask for everything in writing and review it carefully before signing.

If you have bad credit, no credit, or use an ITIN, you can still ask these same questions. If the dealer can’t provide clear written terms, ask what will be needed to get the deal you want.

Before you sign, make sure you understand every document you’re agreeing to. Add-ons are a common place where buyers feel surprised—so it’s best to ask early and clearly.

Ask:
- Can I see the purchase agreement before I sign?
- Which add-ons are optional vs required?
- If I remove an add-on, how does the out-the-door price change?
- Can you provide a written copy of the warranty terms and what it covers?

If anything feels unclear, ask for time. A good dealer should be able to explain the paperwork in a straightforward way.

If you want help finding used cars locally that fit your needs, you can start here: Get matched with local dealers.

You’ll share what you’re looking for (like car type, budget range, preferred features, and your general credit situation). CarMatchLane then connects you with participating local used-car dealers.

Remember: you’ll still work directly with the dealer for the car, the out-the-door price, and any financing terms. Use this checklist to ask the right questions and keep everything in writing.