What’s the Best Way to Buy a Car? Four Smart Options Explained

Buying a car today looks very different than it did even a few years ago. With more online shopping options, evolving dealership practices, and new financing tools, it’s easier than ever to find a vehicle—if you know which path is right for you. In this guide, we break down four smart ways to buy a car so you can compare your options and choose the one that fits your budget, preferences, and timeline.

For many Maine buyers, the challenge isn’t finding a car—it’s deciding how to buy one in a way that fits their budget, timeline, and comfort level.

In this guide, we break down four smart ways to buy a car so you can compare your options side by side and choose the method that works best for your needs.

1. Buy from a Dealership

Dealerships remain the most popular car-buying method, especially for buyers who want convenience and support with paperwork.

Pros:

• Wide selection of vehicles in one place
• Opportunity to test drive multiple options
• Access to certified pre-owned cars with warranty
• Dealership handles title, registration, paperwork

Cons:

• Prices can be higher than private sales
• Financing rates may be marked up
• Negotiation may feel overwhelming

For Maine buyers who value convenience and in-person support, dealerships can be a good fit—especially when paired with outside financing that gives you more control.

2. Buy from a Private Seller

Private sales can offer great deals, especially for used vehicles, but require more research and due diligence.

Pros:

• Often the lowest prices
• No dealership markups
• Direct communication with the owner

Cons:

• No warranty unless manufacturer coverage remains
• Inspection recommended (added cost)
• Buyer handles ALL paperwork

This option tends to work best for budget-focused buyers who are comfortable handling details and taking extra steps to verify a vehicle’s condition.

3. Buy a Car Online

Online car-buying platforms allow you to browse thousands of vehicles, secure financing, and even schedule delivery.

Pros:

• Convenient shopping from home
• Transparent pricing
• Large nationwide inventory
• Delivery options available

Cons:

• Limited opportunity for test drives
• Delivery fees may apply
• Harder to assess condition in person

Online buying can be appealing for Maine shoppers in rural areas or those who want access to a broader selection beyond local inventory.

4. Buy With Credit Union Pre-Approval

Getting pre-approved for a car loan puts you in the strongest buying position—whether you shop online, privately, or at a dealership. With cPort’s Pre-Approved Auto Check, you’ll know your exact budget and rate upfront, which helps remove uncertainty from the car-buying process.

Pros:

• Shop with a set budget
• Strong negotiating power at dealerships
• Competitive credit union rates
• Functions like a cash buyer
• Easy, fast financing process

Cons:

• Requires a credit check
• Pre-approval typically valid 30–60 days

Many Maine buyers find that starting with pre-approval gives them flexibility—allowing them to shop at dealerships, online platforms, or private sales with confidence.

Comparison Table: Which Way Is Best for You?

This comparison highlights how each car-buying method stacks up depending on your priorities.

Method	Best For	Pros	Cons
Dealership Purchase	Convenience, variety	Easy paperwork, test drives	Higher prices
Private Sale	Budget-focused buyers	Lowest prices	No warranty
Online Buying	Convenience, large inventory	Transparent pricing	Limited test drives
Pre-Approval First	Smart financing + flexibility	Negotiating power, rate clarity	Credit check required

So, What Is the Best Way to Buy a Car?

The best way to buy a car depends on what matters most to you—price, convenience, flexibility, or peace of mind. However, starting with credit union pre-approval is often a smart strategy, regardless of where you ultimately buy. It sets your maximum budget, gives you competitive rates, and ensures you walk into any buying situation prepared.

Whether you ultimately shop at a dealership, online, or through a private seller, pre-approval helps you make informed decisions instead of reacting to financing offers at the last minute.

FAQs About the Best Way to Buy a Car

1. What’s the smartest way to buy a car today?

Starting with pre-approval gives you a set budget and stronger negotiating power.

2. Is buying online safe?

Yes—reputable online marketplaces offer warranties and return windows. Always check reviews and policies.

3. Should I buy new or used?

New cars offer warranties; used cars offer savings. The best fit depends on your budget and priorities.

4. How much should I put down?

Many experts recommend 10–20%, but your lender can help you explore options.

Ready to Shop? Get Pre-Approved First.

Taking one simple step before you shop can make the entire car-buying process smoother. Take the stress out of car shopping with a clear budget and a competitive rate from cPort, whether you’re buying locally in Maine or exploring online options.