Perform these checks during daylight to spot potential red flags.

Research specific models on Consumer Reports or Edmunds to find known failure points (e.g., specific engine or transmission problems for certain years).

Aim for a 20% down payment, a three-year financing term, and total car expenses (including insurance) that equal 8% or less of your monthly income.

Set aside approximately $1,000 for immediate repairs, as many previous owners defer maintenance right before selling. 2. Research and Verification