Financing checklist
Buy Here, Pay Here Agreement Check
Getting approved can feel like the finish line. It is not.
Use this checklist before signing to make sure you understand the vehicle, the financing, the warranty, and your plan for what comes next.
Need more context? Read the full Buy Here, Pay Here guide.
Buy Here, Pay Here
Agreement Check
Review the vehicle, financing, warranty, and exit plan before signing.
Deal information
The vehicle
The financing
Credit reporting
Warranty or service agreement
Late payments and payoff
Exit strategy
Checklist summary
You do not need every answer to be perfect. You do need to understand the agreement you are signing and the vehicle you are depending on.
Related resources
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The vehicle
Independent inspection allowed
Current condition understood
Near-term repairs identified
Repair and maintenance costs considered
The financing
Vehicle selling price confirmed
Down payment confirmed
Amount financed confirmed
Interest rate confirmed
Payment schedule confirmed
Total of payments confirmed
Fees and added products reviewed
Credit reporting
Credit reporting confirmed
Credit bureaus identified
Plan to verify reporting after purchase
Warranty or service agreement
Covered repairs reviewed
Exclusions reviewed
Copay or deductible confirmed
Repair location confirmed
Warranty cost confirmed
Late payments and payoff
Late-payment policy understood
Payment method confirmed
Early payoff allowed
Extra-payment rules understood
Payoff quote process understood
Exit strategy
Credit review date chosen
Refinancing review date chosen
Backup plan considered
Checklist summary
- Confirmed
- 0
- Need to ask
- 0
- Review closely
- 0
- Unanswered
- 27
You do not need every answer to be perfect. You do need to understand the agreement you are signing and the vehicle you are depending on.
Next step
Review the numbers with the Payment Reality Check
More context
Read the full Buy Here, Pay Here guide
Still have a question?
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