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7 Tips for Buying a Car Online in 2021

Keep these tips in mind if you’re planning on buying a car in 2021.

Pre-pandemic you might not have considered buying a car online. Many car buyers prefer to test drive a vehicle before they buy it. When buying a used car, an in-person inspection can be even more important. Things have changed due to COVID-19, and many people would rather avoid visiting a car dealership in person where they could risk exposure to the virus.

As a result, car dealers and manufacturers have made online car buying easier. Allowing shoppers to feel more confident in making a decision remotely. If you are considering buying a car online, here are some tips to guide you through the process.

1. Enjoy the benefits.

If you have bought a car in-person before, you know the many hours it can take. You can be at a dealership all day and end up with a deal you are not happy with. Taking the process online means shopping for a car from the comfort of your own home. There’s also less pressure to make a decision if you aren’t 100% sure.

2. Be open to additional options.

You might have a specific car make, model and year in mind, but don’t be closed off to other possibilities if you want to score a deal. The pandemic has caused major automakers to offer deals and incentives to increase sales. Be open to learning about which cars come with top incentives to save on your monthly payment and overall costs.

3. Know the exceptions.

There are specific promotions and programs relating to COVID-19 that are only available to buyers who qualify. Some promotions are only available to the most qualified buyers, those with top credit scores and good credit history. COVID-19 programs like deferred payments typically require the buyer to show proof of need.

4. Get financing together in advance.

If you are using an auto loan to purchase your car, you can get preapproved before shopping online. If using a personal loan to purchase a used car, you could request up to $10,000 online at If approved, cash is deposited into your account in as soon as one business day.

5. Do your research.

Before you start the conversation with the dealer, do your research. You can use Kelly Blue Book or similar sites to see expert reviews, ratings, long-term cost of ownership, fuel economy and how much it will cost to insure the vehicle.

6. Find out what others paid.

Ever leave a car dealership feeling like you could have gotten a better deal? Use Edmunds True market Value calculator to understand what people in your area paid for the same car. You can even compare packages.

7. What is the return policy?

Since you can’t test drive a car online or sit in the car before you buy it, some automakers are offering better return policies. Some automakers are making special exceptions due to the financial hardship some people are experiencing due to the pandemic. Ford for example is offering the Ford Promise program which allows buyers to return a vehicle within a year from purchase if they experience financial hardship.


You may not have ever considered buying a car online pre-pandemic, but today it is become much more common. You can get a great deal shopping for a car online and buy a car from the comfort of your own home. If you are considering purchasing a used car, a personal loan is one financing option to consider. Learn more at

This post is not intended to be a solicitation for a loan. BrighterPays provides these blogs for entertainment and informational purposes only. Remember to consider all your financial options before making any decisions related to credit.