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Arrange finance before you start looking at cars. Knowing that you have been approved and that the money is on standby will give you the confidence to negotiate a better deal from the vendor.
Assess your driving needs and then research the type of cars available that best suit them and your budget - a 4x4 may look great but it will be expensive to run and is it really what you need.
United Financial Services can organise a used car warranty on your behalf.
If you are going to test drive a car, check that the owner has the vehicle covered by insurance.
If the owner won't let you test drive the car, ask them to drive you - a test drive is the way to highlight any inherent mechanical problems.
Always try to organise a time during daylight hours to inspect a vehicle , and preferably when not raining, this will allow you to see the vehicle clearly.
When initially inspecting a vehicle, check the ground for oil and other leaks. It may not be a problem now, but could cost you dearly at some stage in the future.
Let United Financial Services do a vehicle encumbrance search to ensure the vehicle is not stolen or owned by a bank or finance company.
Most of the vehicles are sold very quickly once advertised, so if you've found one you like you should leave a deposit.
If you are financing your car, be sure to ask United Financial Services about including insurance in your contract, not only will you be covered from the time you drive your car away but it will most likely save you time and money.
When you pick up your vehicle, be sure to allow yourself plenty of time to go over the car to ensure there has been no changes since you last saw it. For instance, check that the radio or tyres haven't been replaced by other inferior ones.
Don't forget to transfer your registration once you have purchased your vehicle, that way there will be no disputes over parking fines or speed camera tickets.
Don't forget that often overlooked expenses of running a car when you are doing your budget such as registration, comprehensive and third party insurance, general servicing and tyres.
 
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