CarGurus Pay FAQ

Payment

  • Can the buyer pay with a credit card? Payment through credit cards is not currently accepted. Our digital payment option is solely by means of a digital funds transfer through your linked bank account. We also have the cash option which means the funds transfer will be handled directly between you and the other party without any CarGurus involvement.
  • When do I pay the taxes? Sales tax is paid at the DMV and not at the time of the transaction. For example, if a buyer is purchasing a car for $7000, they’ll only be transferring $7000 and will handle the rest when they take care of the title/registration at the DMV.
  • I don't see my bank account listed. If you are unable to find your bank, click "Link with account numbers". You can then manually enter your account information and you will receive two small deposits. Return to the CarGurus website and enter these deposit amounts to link! If this is unsuccessful for any reason, you will be required to proceed with the cash payment option, meaning the funds transfer will be handled directly between you and the other party without any CarGurus involvement.
  • How do I re-enter my bank account details? Unfortunately, once this information has been entered, we do not currently have the functionality to backtrack. If you are a buyer, we recommend creating a new account and contacting the seller again to start a new transaction! If you are a seller, click here for tips on how to proceed. 
  • How can I be sure I will receive payment? You will reach a stage in the transaction where you are shown a "transaction complete" screen which indicates the funds will reach your account within 3 business days. You are not required to hand over the keys until you and the buyer reach this screen. If, after 3 business days, you do not have the funds in your account, please contact us at user_support@cargurus.com so we can investigate.
  • Does CarGurus take a percentage of the final sale? Nope! The $4.95 that sellers pay upon first listing the vehicle is the only charge.
  • I'm not able to transfer funds digitally. What are my options? Click here for options on how to proceed if funds cannot be transferred electronically.
  • When will I see payment in my bank account? Payment will appear in your account within 1-3 business days. If, after 3 business days, you do not have the funds in your account, please contact us at user_support@cargurus.com so we can investigate.
  • I didn't choose a cash transaction. Why can't I transfer funds digitally? There are a few reasons why a digital checkout may not be available. Please click here to see why.
  • How do I link my bank account? This can be done from your inbox! Click here for more details on the process. If you do not see a prompt, your vehicle may not be eligible for the digital transfer of funds.

Limitations

  • Does CarGurus Pay protect against mechanical issues? CarGurus Pay does not protect against undisclosed mechanical issues or provide assistance in post-purchase disputes. Transactions are "as is".
  • What if my shipping company doesn't deliver the vehicle? We will not be able to assist in the recouping of funds in the unlikely event that the vehicle is not delivered. This will fall upon your delivery company to reimburse. 
  • What if there is a lien on my vehicle? Our checkout services will not be available if the seller has an outstanding lien on their vehicle. You can still list your vehicle with CarGurus to find a prospective buyer, but the completion of the sale will have to be finished outside of our platform.
  • Can I still use CarGurus Pay if I have a lease? Private sellers will not be able to use the checkout services if they have a lease. You can still list your vehicle with CarGurus to find a prospective buyer, but the completion of the sale will have to be finished outside of our platform.
  • Does CarGurus Pay assist with the title transfer? CarGurus Pay will confirm the last four digits of the title match the VIN and prompts the seller when it is time to sign it over. However, CarGurus Pay does not assist with digital transfers or vehicle registration.
  • My inbox tells me I cannot use CarGurus Pay. Why? Please click here for a list of scenarios where CarGurus Pay will not be available.
  • Can I still use CarGurus Pay if the buyer requires financing? Our checkout services will not be available if the prospective buyer needs financing.

Verifications

  • Why aren't the last four characters of the title being accepted? As titles change ownership, there are times when a new title may need to be issued because it is lost or damaged. Title numbers can then change and in some rare cases don’t get reported back to Experian which leads to this. Simply contact our support team and they will be able to help you find the right four characters!
  • Why isn't my license being accepted? A valid US license is required to complete the transaction. If the license has expired or a different form of identification is used, this could cause the error. The photo could also be too blurry so we recommend taking a clear photo of your license on a flat surface and in well-lit conditions and ensure it is legible prior to uploading. 
  • Does CarGurus vet buyers? Once you have found a buyer, we will require them to provide a valid US license before they can move forward. If they are transferring funds digitally, we require them to link their account beforehand so that we can verify they have the agreed upon funds.
  • Why can't I move forward from the review page? This can happen if the other party hasn't completed all of the preliminary steps on their end. Feel free to contact them and see where they are at in the process.
  • I need to update the final sale price. Once you pass the review stage, you will be prompted to confirm the price. You can make any necessary adjustments at this point.

Other Common FAQs

  • Can I sell a rebuilt title? While selling vehicles with a rebuilt title is allowed, we strongly encourage users to disclose this information before starting the transaction. 
  • Are there delivery options for private transactions? CarGurus Pay is best suited for in-person transactions. While CarGurus Pay does not provide shipping services, we can still support certain delivery transactions. Click here for more information.
  • Can I use CarGurus Pay if I found my buyer outside of CarGurus? Yes! Simply send the interested party a link to your listing and have them contact you through the form on your page. You will then receive prompts in your Messages which will guide you towards the checkout.
  • Do I need to sign up for CarGurus Pay? You will not need to sign up after creating your listing. Once you have found a buyer, simply follow the prompts in your inbox! 
  • How do I cancel this transaction? Choose the thread in your inbox with whom you have started a checkout. Click into that transaction and  there will be an option to cancel at the bottom of the screen. You can also reach out to user_support@cargurus.com and our team can take care of it for you! If you have only entered your preliminary information in your inbox (driver's license, payment method, etc.) you will not need to cancel.

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