ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Car Loans - Important Final Questions to Ask Before Buying

Updated on February 2, 2012

A few things to ask before you start signing loan papers

Before you start to sign the papers for your car loan, make sure to ask some key important questions. The number one question might be, "Have I been charge only for the items I specifically wanted, with no extras?" Another good question would be, "Did we talk about all the possible buyer's discounts?" Often, there are new buyer discounts, or there are factory cash discounts, etc. The sales people and sales managers should be more than happy to answer any and all of your questions.

When you are looking at vehicles, and feel forced to consider buying, ask if they can do anything to make the price more palatable. Don't be overly pushy, but it doesn't hurt to ask, especially if it is a little out of your range you were going to be looking at. Once in a while they might throw in something of value. Its not unheard of for them to offer some kind of upgrade or perhaps a complimentary service on your first service visit, etc. Especially if you are getting your loan through the dealership, they should be more than happy to entertain any and all questions you might have.

Find out all you can before you sign.

Ask the person that will be doing the financing, or writing up, to write all the things down for you. You want to see figures on paper and have someone willing to explain each thing to you in detail if necessary. You are fully in the know, this way and there won't be any surprises.

This point kind of goes back to the first one, but ask if there are any things added automatically that the dealership thinks buyers need on their car, but that you might not have known about. They might say it is standard, but it may or may not be absolutely necessary.

Ask about the cars possible history that you wouldn't know about. In some states, there are laws where a person can return a "lemon" to the dealership if they have a lot of problems. There sometimes are cars known as "flood cars" where the was water damaged and rebuilt and offered for sale again as a new car. Hard to believe you would have to ask about this, and I hope they would just present such a car in that light and be honest. Sometimes they have been in an accident and been fixed up. You want to know about these things.

In general, you can ask if there is anything about the car that you should know about, so that you can make the most informed decision you can. Surely an honest dealership will have workers that want to answer that honestly.

How about any possible recalls on this type of car, and what type exactly were recalled if any?

How long is the car guaranteed for and what does that include?

Nash Rambler
Nash Rambler

Some last questions to ask before signing and buying

Does the dealership ever provide loaner cars should this car need repairs that are covered?

Is it possible that this car has ever been registered before if it seems brand new?

You will want to double check that all that was "included" is indeed included, that you discussed.

Double check the numbers if you get the chance, anyone can make a mistake, though this is their business and they shouldn't.

Will there be any fees tacked on that you don't know about?

You don't ever want to get paranoid or be overly suspicious, but it is good to have an idea of at least some of the questions that you are thinking about. You can reword them in your own way, and hopefully they will ask you if you have any more questions anyway, before you proceed with your loan or financing portion of the sale.

Good tips for shopping around for a car loan.


    0 of 8192 characters used
    Post Comment

    • oceansnsunsets profile imageAUTHOR


      6 years ago from The Midwest, USA

      Hello John, thank you very much for stopping by and leaving a comment here. Happy for you about your new car. Being wise with financing is always a good feeling. God Bless you also, and thank you.

    • John Sarkis profile image

      John Sarkis 

      6 years ago from Los Angeles, CA

      Great article and informative at that. I've loved cars all of my life. I'm older now, but when I was younger I didn't really know how loans worked. My latest car I got for 0% financing, which is really great, even if the car cost me a great deal.

      Thanks adn God Bless


    • oceansnsunsets profile imageAUTHOR


      7 years ago from The Midwest, USA

      Thank you, Loan Arranger! I appreciate your visiting my hubpage, and leaving a comment. :)

    • The Loan Arranger profile image

      The Loan Arranger 

      7 years ago

      Some good info here - thanks.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)