Most used-car regret in Canberra comes down to skipping a few basic checks. Here's the short list that protects your money before you hand any over.

1. Run a PPSR check

A Personal Property Securities Register (PPSR) check tells you if the car still has money owing on it, has been written off, or reported stolen. It costs a couple of dollars and takes minutes. If a seller won't give you the VIN to run it, walk away.

2. Confirm the rego and when it's due

Check the ACT rego is current and note the expiry — an expired or nearly-due rego is a real cost you're about to inherit. In the ACT you'll also want to know whether a recent inspection was needed for the transfer.

3. Read the service history

A logbook with stamps (or digital records) tells you the car was actually looked after. Gaps aren't automatically a dealbreaker, but they should change the price.

4. The test-drive tells

5. Sanity-check the price

Compare the same year, variant and kilometres across a couple of listings. A price that's well below the rest usually means something you can't see yet.

6. Get an independent inspection for anything pricey

For a higher-value car, a mobile pre-purchase inspection is cheap insurance. A qualified mechanic will find what a test-drive won't.

7. Do the paperwork properly

Never hand over cash or transfer money before you've confirmed the seller's identity matches the registration, and never sign anything you don't understand.

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