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

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely borrowing money to purchase the car they want.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to control their finances with precise, well-studied information that breaks down otherwise 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 but also comes with some risks. Like the majority of the online world, scams have crept into the space. Be aware of common cons so you don't lose money while shopping for the latest car. The most common online scams for buying cars These are the scams FTC (Federal Trade Commission) provides guidelines for online vehicle sales. However, there are several common scams to look out for when . Identity theft Scammers aren't just looking to swindle you out of your funds, but also for your personal details. They'll ask for details such as your Social Security number, birthdate or bank account numbers. Don't share your personal information with prospective sellers, other than your name and number. If you are applying for a job an opportunity, ensure that the seller is legal, legitimate, and has good reviews. If not, it's better to apply for a outside the dealership- or go somewhere you can verify whether the vendor is honest and trustworthy. Fake ads When you are seeking a private sale there are ads that do not include the VIN, or vehicle identification number. If you're not able to verify the authenticity of the vehicle is actually present -- that is, seeing it in person and verify it's VIN is correct Don't pay. It's not unusual for fraudsters to advertise vehicles in advertisements without having the vehicle. And even if the vehicle exists, confirm that it's not listed as stolen and that it has a clean vehicle history report. The scam of "curbstoning" occurs where a dealer claims to be a private seller in order to sell a vehicle that doesn't comply with normal dealer rules that is, it may have an unsalvaged title or is damaged. A salvaged title will create major problems when it concerns insuring the vehicle. It is possible to avoid this fraud by staying away from vehicles sold online from vacant lots in the middle of the road, or at the seller's home. Like every private auction, make sure you confirm whether the seller and VIN are genuine prior to signing a contract. Buying sight unseen Never agree to purchase a vehicle without having seen it. It's not just best to take your potential car for a test drive and , but buying sight unseen could mean that the car may not be as pictured or worse -- not exist at all. If the seller pressures you or asks you to make a speedy purchase before you inspect the vehicle in person, it is likely to be a fraud. Request for wire transfer or gift cards If the potential seller demands wire transfer in exchange for payment of the vehicle, leave. This is a typical method used by scammers to take your money , but with no return vehicle. Wired money is not traceable and extremely difficult to trace. It means that you could be left without a vehicle and no chance of a refund. Similar to scammers wanting payment via wire transfer, a few sellers may ask for gift cards for the payment. Beware, and walk away. Gift cards are not traceable and means that the seller may be trying to fraud you. Title washing Title washing is an attempt to conceal damage caused by an accident, or any other issues with the vehicle's past. Even if you have to pay for it yourself make sure you get a car history report on the VIN. This isn't guaranteed to provide you with all the details the car has experienced however it will help you avoid falling prey to a scammer trying to sell you a dangerous car. Fake escrow account Although this scam can take place in two ways, you should be conscious of the need for a fake escrow account when purchasing a car on the internet. Using an escrow account is an authentic method of keeping both parties secure from fraud. However, fraudsters may make use of a fake escrow account to trick you into depositing money directly into the seller's bank account. When the time comes to pick up the vehicle and transfer the title the seller is no longer accessible to contact -- and you are stuck with no option to recover your money. Is online car buying an excellent idea? If you go through an authentic service, buying a car on the internet is the same as purchasing a car from an auto dealership. If you choose to go with a private seller, don't allow the possibility of scams happening discourage you from buying. By being an informed consumer, you will more likely not get duped and more likely to drive away content with your purchase. Benefits of buying a car online If you know what frauds to avoid and look up a reliable source, purchasing a car online can have its advantages. Primarily, it saves time. It isn't necessary to visit several dealerships and have to deal with physically browsing inventory on a lot. Shopping online gives you endless shopping opportunities. As you're not limited to the options in a store, you may be able to find a more exact match for your needs. There's no pressure to sell because, at the end of the day, you'll be browsing websites on your phone or computer without having to deal with sales representatives from a professional. If you choose to go with a brand like Carvana or Vroom, you'll have access to nationwide delivery. There could be a modest fee, but if you get the right car it might be worth the cost. There are some disadvantages to buying cars online. Apart from the scams, there are number of reasons why people choose traditional dealers. Big online sites do not allow for negotiation. You can deal with private sellers however, you be at risk of being involved in fraud. The lenders may not be able to offer financing for private sales while you're looking on the internet. Should they, then you may discover that the interest rates are higher than with an used or new vehicle loan. You might not be able to do an inspection in person until you meet with the seller , or arrange for the car to be delivered. It could be even more difficult for a mechanic to check it when you shop on the internet. What should you do if you've been victimized If you believe that you've fallen victim to an online scam There are a few actions you need to follow. You can file a complaint directly with the fraud center. Contact your state attorney general. Report the fraud to the FBI . Inform the FBI of the . It may become difficult, or even impossible, to receive your cash back if you made it via wire transfer or transferred gift cards. But, be aware of your bank activity in the event that you have entered information on a fraudulent website. If you spot any suspicious activities, notify your bank regarding the fraudulent activity and change any usernames or passwords linked to the account. The bottom line: If you think a deal on a car is too appealing to be true It's probably true. A car purchase online can be a very safe option to buy a secondhand vehicle. But you need to be aware of frauds that are common and trust your gut. If you notice something that seems suspicious, it probably is. In the end of the day, there are plenty of used cars available on the market. You can always leave a deal and locate a different, more trustworthy seller through trusted websites -- or just opt for a used car dealership. Learn more


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of borrowing money to purchase a car.



The edit was done 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 manage their finances through providing clear, well-researched data that cuts complex topics into manageable bites.






Auto loans editor




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