Checking the car
Used Car Inspection Checklist
What to check on the car, its papers and on a test drive before you pay a token.
Updated 30 September 2026 · 8 lenders trackedLowest used car loan rate
9.45%
PNB Used Car LoanWhat you need to know
A lender’s valuation protects the lender, not you. Inspect the car yourself and, ideally, through an independent mechanic or inspection service before signing anything.
Papers
- RC: owner name, chassis and engine numbers match the car, owner serial, registration validity
- Insurance policy and past claims
- PUC certificate
- Service book / digital service records
- Vahan check for hypothecation, and e-challan check for fines
Body & structure
- Uneven panel gaps or paint shade differences (repaint)
- Weld marks, bent pillars or chassis rails (major accident)
- Rust under carpets and seats, silt in odd places, musty smell (flood)
- Glass: matching manufacturer markings
Engine & drive
- Cold start, smoke colour, oil leaks, coolant level
- Clutch bite point, gear shifts, automatic gearbox jerks
- Suspension noises over bumps, steering play, brake feel
- Tyre wear (uneven wear hints at alignment or suspension damage)
- All electricals, AC, warning lights on the dashboard
Test drive
- City trafficCheck clutch, brakes and AC at low speeds.
- Open roadListen for vibration and wind noise at speed.
- ParkingCheck steering at full lock and reverse camera/sensors.
Frequently asked questions
Should I pay for a professional inspection?
For most cars it is worth it; the cost is small compared with a hidden accident or flood repair.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.