Car-buying scams: checks before you pay

A convincing listing or message is not proof that a vehicle exists or that the sender owns it. Slow down if someone pressures you to pay before you can check the seller and the exact car.

Check the seller and the exact vehicle

1. Verify the contact independently. Find the dealer's contact details yourself, rather than relying only on a number or link in an unexpected message. Confirm that the person you reach represents that dealer and that the vehicle is available.
2. Match the VIN. Compare the listing VIN with the vehicle and the documents supplied for it. Ask about any mismatch before continuing.
3. Check the condition separately. Review a vehicle history report and arrange an independent mechanic's inspection. A history report does not replace that inspection. Ask for written findings tied to the make, model and VIN, with estimated repair costs.
4. Get the terms in writing. Request an out-the-door quote including tax, title and dealer fees. Ask which warranty, return and deposit terms apply to that exact vehicle; do not assume a return right from a logo or a verbal assurance.

Jitcar displays dealer-supplied inventory. A listing, photo or estimated market tier is not a guarantee of an inspection, vehicle condition, warranty coverage or a return entitlement.

Source: FTC: Buying a Used Car From a Dealer.

Stop when the payment story does not add up

• Be wary of a seller who refuses an in-person viewing or independent inspection, rushes you, or adds unexpected shipping charges.
• Do not pay an unknown online seller with gift cards or a money-transfer service. A branded invoice or claimed buyer-protection program can be impersonated. Verify the seller and payment instructions independently before sending money.
• If you are selling, do not accept an overpayment and send the balance to the buyer or a supposed transporter. A check balance appearing in your account does not prove the check is genuine.

Sources: FTC: Phony online car sales and FTC: Fake check scams.

If you suspect a scam

If you already paid, contact the bank, card issuer or payment provider immediately and ask what recovery options are available. Save the listing URL, messages and receipts. Recovery is not guaranteed. Follow the FTC's steps after a scam and report suspected fraud at ReportFraud.ftc.gov.

For a suspicious Jitcar listing or message, contact Jitcar with the public listing URL and a brief description. Do not include passwords, one-time codes, payment-card numbers or identity documents in your report. Contact your payment provider first if money is at risk; reporting a listing is not a promise of reimbursement.

Reviewed October 20, 2026. This checklist helps you verify a transaction; it does not certify a seller or vehicle.

Browse dealer-listed cars · Use the used-car inspection checklist