When purchasing a used vehicle from a private seller in Pennsylvania, there are some basic tips to follow. This article will keep you on track and do the transaction safely.
It’s crucial that you stay safe and secure when buying used cars. Let’s talk about how to navigate the Pennsylvania car-buying process.
Oh, and, by the way, PrivateAuto has private-party used cars for sale in Pennsylvania and also provides an end-to-end platform to get the deal done.
What is the process for buying a used car in PA?
Pennsylvania Used Car-buying Process
1. Find a seller who is selling a car you like
2. Set a price you both can agree on
3. Schedule a test drive
4. Handle the documentation
5. Pay the seller
6. Have the seller Let’s go over the process in more detail.
Find a Car to Buy
PrivateAuto has a wide selection of used cars for sale, and we have security and convenience features that none of our competitors have. For example, we verify the identity of all sellers, so you know who you’re negotiating with. You can browse used car listings and make offers within the app, and when the seller accepts your offer, you can proceed to organize the test drive. It all happens within the app and you never have to give out your personal info.
Take it For a Test Drive
Arrange the Meetup
Other used car marketplaces leave the meetup organization to you. Organizing the initial meetup traditionally requires exchanging personal info and having a lot of back-and-forth with the seller. But, on the PrivateAuto app, your personal info is kept private. Our handy in-app scheduler allows you and the seller to arrange the perfect time and place.
Research the Vehicle History Report
AutoCheck and PrivateAuto have partnered in order to provide buyers with a motor vehicle information check and report. When PrivateAuto sellers choose a Premium listing, we include the car history report for peace of mind.
(Optional) Mechanical Inspection
PrivateAuto gives you all the technology and tools necessary to close the deal at the test drive meeting. If you’re opting for a professional vehicle inspection, you’ll be adding at least a couple extra days onto the closing process.
Paperwork
Vehicle Title
Both you and the seller will fill out the Certificate of Title thoroughly. Required information includes the following:
- Name
- Address
- Signature (completed after payment)
- An odometer disclosure statement (for cars less than 10 years old)
- VIN (vehicle identification number)
Odometer Reading Statement
When you purchase a vehicle that’s less than 10 years old, Federal law requires the seller to complete the odometer reading statement (also called an odometer disclosure) on the back of the title.
If there’s no room on the title, complete the Federal Odometer Disclosure Statement.
You can verify the accuracy of the odometer reading the seller enters on the title by looking at the odometer yourself. Note that there are severe penalties for sellers tampering with vehicle odometers in order to provide inaccurate readings.
The PrivateAuto app includes an odometer reading entry, where both parties (buyer and seller) confirm mileage before taking the next step.
Bill of Sale in PA
In Pennsylvania, a bill of sale is required in private vehicle transactions.
PrivateAuto includes a Pennsylvania bill of sale as part of our standard in-app transaction process. At the appropriate phase in the transaction, both buyer and seller will be prompted to e-sign the bill of sale within their mobile PrivateAuto app.
The entire transaction, including the bill of sale, can be completed in minutes when you meet for the test drive and approve of the vehicle. It’s so fast and convenient you won’t believe it. And then, you’ll always have the electronic bill of sale accessible in your PrivateAuto account to prove that the transaction was legitimate.
Check the VIN
The PrivateAuto app has a VIN field where buyers and sellers individually confirm the VIN. This helps eliminate errors (or the rare case of outright seller fraud).
Emissions Testing in Pennsylvania
- Allegheny
- Beaver
- Berks
- Blair
- Bucks
- Cambria
- Centre
- Chester
- Cumberland
- Dauphin
- Delaware
- Erie
- Lackawanna
- Lancaster
- Lebanon
- Lehigh
- Luzerne
- Lycoming
- Mercer
- Montgomery
- Northampton
- Philadelphia
- Washington
- Westmoreland
- York
If you are registering your car in any of these counties, proceed with an emissions test.
Exemptions to emissions testing:
- Vehicles 1 model year or younger with less than 5,000 miles
- Fully-electric vehicles
- Antique cars
Send Money to the Seller
Introducing PrivateAuto Pay
So, if you don’t like the idea of carrying a briefcase full of money or waiting for your check to clear, you’ll love PrivateAuto Pay.
Vehicle Financing Available
When closing the deal and sending payment, our lending partner will pay the seller in full. You’ll make monthly car payments to the lender. It’s that easy. Wondering how much your payments will be? Our auto loan calculator will tell you.
How to do a PA title transfer?
Transfer the Title
To transfer Pennsylvania vehicle titles successfully, sellers must complete the Transfer of Title by Seller section on the front of the title certificate and include the following:
- A vehicle title (proof of ownership)
- Application for Certificate of Title (Form MV-1)
- Odometer statement
- Valid PA driver’s license
- Proof of insurance
Title Transfer Fees
These fees vary depending on the sale price, the original value of the vehicle, and your county. Some counties, for example, charge $51 for a title fee, $35-$84 for the registration fee, and $9 for the plate transfer fee.
What If There is More Than One Vehicle Owner?
Should You Conduct Title Research?
Any Pennsylvania attorney will recommend using the National Insurance Crime Bureau website to research the title of a potential used vehicle purchase to protect yourself from fraud. It doesn’t happen often, but sometimes sellers will attempt to mislead or outright deceive. For instance, they may try to pass off a salvage title as a clean title.
Good title research will help you check for:
- Reports of the car having been stolen
- The car having been declared a total loss in an insurance claim
- Release of lien
What are PA fees when I buy a car?
What Are the Fees When Buying A Used Car in Pennsylvania?
Here are additional fees you’ll pay beyond the purchase price when buying a used car in Pennsylvania:
- Title fee: $51
- Pennsylvania sales tax: 6.% on the purchase price of the car
- License and registration fees: from $35
Buying a Used Car in Pennsylvania with PrivateAuto
We are the only end-to-end vehicle buying platform that gives you everything you need to get the deal done, from making offers to sending payments.
Browse our used cars for sale in Pennsylvania.
The PrivateAuto purchasing process consists of a few simple steps:
Register and get verified on PrivateAuto
Get started here.
Search for your dream car
Make offers on cars you like
Schedule a test drive
Take care of the paperwork
Pay the seller
Those days are over! Verify and send out the funds instantaneously with PrivateAuto Pay, our innovative banking integration. Guaranteed funds for transactions large and small.
Transfer ownership
Looking to sell your car? Choose PrivateAuto to get the best price and transact easily and safely!
Pennsylvania Car Buying FAQ
What kind of insurance does a used car need?
Used cars, just like new cars, are required to have liability vehicle insurance at a minimum. Every insurance company will have different rates, so shop around.
The Pennsylvania DMV requires you to carry evidence of your insurance in your car, and also mandates these policy minimums:
_- $3,000 for property damage
– $15,000 for injury or death to one person
– $30,000 for injury or death to more than one person_
You can consider purchasing collision, comprehensive, and gap insurance for your vehicle, but these are not required in Pennsylvania.
What is a temporary tag?
Temporary tags, also known as paper license plates, are issued to car buyers as temporary registration. They are also issued for demonstration cars in dealerships, In the state of Pennsylvania, temporary tags cost $17 and are valid for 60 days.
How to protect yourself when buying a vehicle privately?
To protect yourself when buying a car privately, we recommend the following practices:
1. Never give out your contact information
2. Deal with verified sellers only
3. Have a bill of sale to legally validate the transaction
4. Send the The best way to protect yourself when buying a car privately is by buying it on a secure platform that offers these features (such as PrivateAuto).
Get started here!
Who pays for the title transfer fee in Pennsylvania?
When applying for a Pennsylvania title, the buyer is responsible for paying the title transfer fee. The buyer will also pay registration fees, sales taxes, and Pennsylvania license plate fees.
Is buying a car privately for cash a good idea?
Buying a car in Pennsylvania privately for cash can be a good idea, but only if you’re buying it from a trusted seller.
Choosing a private party will get you better deals than working with a car dealership.
PrivateAuto offers the immediacy of a cash payment without risk. Our PrivateAuto Pay feature is a full banking integration; when the buyer authorizes the funds to transfer through our app, money instantly moves from their PrivateAuto account into the sellers—24 hours a day, 365 days a year.
How long is the lemon law in Pennsylvania?
In Pennsylvania, the lemon law is 12 months or 12,000 miles. Note that the lemon law specifically applies to dealerships, not to used cars purchased in a private sale.