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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 better financial decisions by offering you interactive financial calculators and tools that provide objective and original content. This allows you to conduct research and compare information at no cost to help you make financial decisions with confidence. Bankrate has agreements with issuers such as, 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 website are provided by companies who pay us. This compensation can affect the way and where products appear on the site, such as such things as the sequence in which they appear in the listing categories, except where prohibited by law. This applies to our mortgage or home equity products, as well as other home loan products. This compensation, however, does not influence the information we provide, or the reviews you see on this site. We do not include the vast array of companies or financial deals that could be open to you.



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5 min read 13 October 2022.
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating 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 since late 2021. They are dedicated to helping readers gain confidence to take control of their finances by providing concise, well-studied and well-researched content that break down complex topics into manageable bites.









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The ability to purchase a car from the comfort of your living room just a couple of clicks can be a good thing but also comes with some risks. Like the majority of the internet frauds have made their way into the online world. Beware of the common scams so you don't lose money while shopping for a new vehicle. Most common scams when buying a car online There are a few scams that the FTC (Federal Trade Commission) offers guidelines for online car sales --but there are a few common scams to look out for when . Identity theft Some scammers are not only looking to scam you out of money but also looking for your personal details. They may ask for information such as the details of your Social Security number, birthdate or banking number. Do not share any personal details with prospective sellers, other than your name and phone number. If you are applying for a job an opportunity, ensure that the seller is authentic, licensed and has a good reputation. Otherwise, it may be better to apply for a outside the dealershipor go to a location where you can confirm you are above board. Fake ads When you are looking for a private sale You may come across ads that do not include the VIN or vehicle identification number. If you are not able to verify the authenticity of the vehicle exists -- in other words, seeing it in person and confirm it's VIN is valid -- don't send money. It is not uncommon for fraudsters to advertise a vehicle in an advertisement without actually having the vehicle. Even if the car exists, confirm that it is not reported as stolen and it is clean on its history report. The scam of "curbstoning" occurs when a dealer pretends to be a private seller with the intention of selling an unconformity-related vehicle with normal dealer regulations -- meaning it has a salvaged title or is otherwise damaged. A salvaged title can cause major headaches when it concerns insuring the vehicle. Avoid this fraud by staying away from cars that are sold online on vacant lot, on the side of the road or at the home of the seller. And as with all private sales, ensure you verify whether the seller and VIN are legitimate prior to signing a contract. 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 to a test drive , but buying sight unseen can mean the car might not look like the pictures or worse -- not exists at all. If the seller is quick to sell you the car or entices you to complete a fast sale before you can inspect the vehicle in person, it is likely to be a scam. Ask for wire transfers or gift card If the prospective seller asks for wire transfer in exchange for car payment, do not accept it. This is a common tactic that scammers use to take your money with no return vehicle. Wired money is not traceable and very difficult to recover. This means you may be left with no vehicle and no chance of a refund. Similar to scammers who want payment through wire transfer, some sellers will ask for gift cards to pay. Beware, and walk away. Gift cards cannot be traced and indicate that the seller is likely attempting to scam you. Title washing Title washing is a method to hide damage from the wreck or other problems with the car's history. Even if you have to pay for it yourself make sure you get a car history report on the VIN. It's not sure if it will show you everything the car has gone through however it will help you avoid falling prey to a fraudster trying to sell you a dangerous car. Fake escrow accounts While this scam can go both ways, be conscious of the need for an escrow account that is fake when purchasing a car on the internet. Escrow accounts are a legitimate way to keep both parties safe 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 it's 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 get your money back. Is online car buying a good idea? If you go through a legitimate service, then buying a car online can be exactly as secure as buying from a dealership. Even if you go with a private seller, do not allow the possibility of a scam happening deter you from buying. By being an informed consumer You'll be less likely to get duped and more likely to leave happy with your vehicle purchase. Benefits of online car buying If you know what scams to look out for 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 visit numerous dealerships and spend time physically searching inventory on numerous occasions. Shopping online gives you endless shopping opportunities. Because you don't have to limit yourself to what you can find in a store it is possible to find a better fit for your requirements. There's no sales pressure since, after all, you'll likely be browsing websites on your computer or phone without having to deal with sales representatives from a professional. If you opt for something like Carvana or Vroom You'll have access to national delivery. There might be a small fee, but if you locate the perfect car, it may be worth it. The drawbacks of buying a car online In addition to fraud, there are a few reasons people still choose traditional dealers. Big online sites do not allow for negotiation. You will be able to deal with private sellers but you'll be at risk of being involved in a scam. The lenders may not be able to offer financing for a private sale when you search online. If they do, you may find that the rates are higher than the purchase of a used or new vehicle loan. You might not be able perform an inspection in person until you meet with the seller or have the car delivered. And it may be more difficult for a mechanic to check the car when you buy it on the internet. What should you do if you've been scammed If you suspect you have fallen victim to an online fraud, there are a few actions you need to take. File a complaint directly with Fraud Center. Get in touch with your attorney general of the state. Make a report to the FBI's . Inform the FBI of the . It could become difficult, or even impossible, to obtain your refund if you transferred the money via wire transfer or exchanged gift cards. But, be aware of your bank transactions if you entered any information on a fraudulent website. If you notice any activities, notify your bank regarding the fraudulent activity and reset any usernames and passwords connected to the account. The bottom line: If you think a deal on a car is too amazing to be real, it probably is. Buying a car online can be a perfectly safe way to buy a secondhand vehicle. But , keep an eye out for common scams and trust your instincts. If something seems off, it probably is. At the end of the day, there are plenty of used cars on the market. It is possible to opt to walk away from a deal and look for a more trustworthy seller through reliable websites or go with an used car dealer. Learn more


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of taking out loans to purchase an automobile.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances through providing clear, well-researched data that cuts otherwise complicated topics into bite-sized pieces.






Auto loans editor




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