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How to avoid online car buying scams Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing unique and impartial content. This allows you to conduct your own research and compare information at no cost - so that you can make sound financial decisions. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies that pay us. This compensation could affect how and where products appear on this website, for example such things as the order in which they may appear in the listing categories, except where prohibited by law. This applies to our mortgage home equity, mortgage and other home loan products. But this compensation does have no impact on the content we publish or the reviews appear on this website. We do not cover the universe of companies or financial offerings that could be available to you.



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

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the details of using loans to buy a car.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are enthusiastic about helping readers gain confidence to take control of their finances with concise, well-studied and well-researched content that dissects complicated topics into bite-sized pieces.









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Buying a car online from the convenience of your home just a couple of clicks can be a good thing however, it comes with some risks. Similar to the rest of the online world there are scams that have slipped into the online world. Beware of common scams to ensure you don't make a loss in the process of getting a new vehicle. Common online car buying scams These are the scams FTC (Federal Trade Commission) offers guidelines for online car sales. However, there are a few commonly-spread scams to be on the lookout for when . Identity theft Scammers are not only looking to con you out of your money , but they also want for your personal details. They'll ask for details such as the details of your Social Security number, birthdate or bank account numbers. Never share any personal information with potential sellers aside from your name and phone number. If you apply for the position, make sure it's authentic, licensed and has positive reviews. If not, it's better to apply for a outside of the dealership -or visit a place where to verify you are legitimate. False advertisements When searching for a private sale there are advertisements that don't list the VIN, or vehicle identification number. If you're unable to verify the authenticity of the vehicle is actually present -- that is, seeing it personally and confirm that the VIN is accurate do not send any money. It's not uncommon for scammers to show vehicles in advertisements but not have it. If the vehicle is present, ensure that it's not classified as stolen and it has a clean vehicle history report. Curbstoning This scam is when a dealer pretends to be private sellers with the intent to sell an unconformity-related vehicle with normal dealer regulations -- meaning it has a salvaged title or is damaged. A salvaged title can cause major headaches when it concerns insuring the vehicle. It is possible to avoid this scam by staying away from online auctions of vehicles that are located on empty lots in the middle of the road or even at the home of the seller. As with every private auction, make sure you verify whether the seller and VIN are genuine before you sign a contract to purchase. Buy sight unseen. Never sign a contract to buy a car without having seen it. It is not only advisable to take the car you are considering for a test drive , but buying sight unseen could mean that the car may not look like the pictures or, even worse, may not exists in the first place. If the seller is quick to sell you the car or entices you to make a quick sale before you can view the car in person, it is likely to be a scam. Ask for wire transfers or credit card gift cards If the potential seller requests an electronic transfer to make the car payment, do not accept it. This is a method used by scammers to take your money with no guarantee of a vehicle. Wired money is not traceable and is very difficult to retrieve. This means you may be left without a car , and there is no possibility of reimbursement. Similar to scammers wanting payment via wire transfer, a few sellers will ask for gifts cards in exchange for payment. Beware, and walk away. Gift cards cannot be traced and mean the seller is probably trying to make money off you. Title washing Title washing is a strategy to cover up damage caused by a wreck, or other issues with the car's history. Even if you have to pay for it make sure you get a car history report for the VIN. It's not sure if it will show you everything the car has experienced however it will aid you in not falling victim to a fraudster looking to offload an unsafe car. Fake escrow account Although this scam can go both ways, you should be aware of the possibility of using a fake escrow account when purchasing a car on the internet. Escrow accounts are an authentic method of keeping both parties protected from scams. However, fraudsters may make use of an escrow account that is fake to trick you into depositing money directly into the seller's account. When the time comes to collect the car and transfer the title the seller is no longer in contact with you -- and you are stuck with no option to retrieve your money. Is online car buying an excellent idea? If you go through an authentic service, buying a car on the internet is exactly as secure as buying from an auto dealership. If you choose to go with an individual seller, don't let the chance of a scam affecting your purchase deter you from buying. By being an informed consumer You'll be less likely to be duped and more likely to drive away happy with your vehicle purchase. Benefits of buying a car online If you are aware of the are the most common scams and go through a legitimate source, buying a vehicle online has its benefits. It is primarily about saving time. You don't need to go to multiple dealerships and deal with physically searching inventory on a lot. Online shopping gives you unlimited shopping opportunities. As you're not limited to what you can find of a dealer it is possible to find a more precise fit for your requirements. No sales pressure since, after all, you'll likely be browsing websites on your computer or phone and not exposing yourself to professional salespeople. If you choose to go with a brand similar to Carvana or Vroom and you'll be able to access to nationwide delivery. There may be a small fee, but if you locate the perfect car, it may be worth it. There are some disadvantages to buying cars online. Aside from scams, there are a couple of reasons why people prefer traditional dealers. Big online dealers mean no negotiation. You will be able to bargain with a private seller, though you will run the risk of being involved in a scam. Some lenders will not provide financing for private sales when you are looking online. If they do, you could find that the rates are higher than with a new or used vehicle loan. It is possible that you won't be able to do an in-person inspection until you meet with the seller or arrange for the car to be delivered. Also, it could be more difficult for a mechanic to check the car when you buy it online. What should you do if you've been scammed If you suspect that you've fallen victim to an online scam, there are a few actions you need to do. Make a formal complaint directly to the fraud center. Contact your state attorney general. File with the FBI's . The FBI will report the fraud to the . It could take a long time or be impossible get your money back if you sent the money via wire transfer or exchanged gift cards. However, keep track of your bank activity if you entered any information on a fraudulent website. If you see any activity, contact your bank to report the fraud and change any usernames or passwords associated with the account. The bottom line If the price of a car seems too amazing to be real the likelihood is that it is. Buying a car online can be a very safe option to purchase a second-hand car. But you need to keep an eye out for common scams and trust your instincts. If something appears to be off, it probably is. At the end of the day, there are plenty of used cars on the market. You can always leave a deal and locate a different, authentic seller via reliable websites or just opt for 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 is a specialist in helping readers with the details of borrowing money to purchase a car.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances by providing clear, well-researched facts that break down otherwise complicated topics into bite-sized pieces.






Auto loans editor




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