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2023 GMC Sierra 1500 — buyer wants to pay with cashier check on a weekend

RotorDaily862Community StarterMay 18, 20262023 GMC Sierra 1500 AT4New York
A buyer wants to meet Saturday when my bank is closed and use a cashier check. I am not accusing them of anything; I just want a payment method I can actually verify before signing over the car. I am in New York. Mostly looking for the right next step.
apr
10.82
location
New York
trade in
ppi planned
term months
60
asking price
32500
dealer addons
1495
dealer doc fee
199
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34 replies

ColdStartBuilder211Community StarterCommunity StarterMay 18, 2026permalink
I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. I'd do that before spending real money. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. That's the sequence I'd use. If GAP is bundled I'm making them unbundle it.
RotorDaily862Community StarterCommunity StarterMay 19, 2026permalink
OP update: I got two written quotes on the 2023 GMC Sierra 1500 and the out-the-door gap is bigger than the ads made it look. Wrote this up on my lunch break.
RotorDaily862Community StarterCommunity StarterMay 19, 2026permalink
Walked a dealership this week on the 2023 GMC Sierra 1500 and the doc fee was the tell. Going to re-read the worksheet tonight.
SunBeltMechanicishCommunity StarterCommunity StarterMay 19, 2026permalink
Private-party deals fail on paperwork, not vibes. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. I'd do that before spending real money. Run the total, not the monthly, before you commit. I've seen both outcomes, which is why I'd test instead of assume. Doc fee is the line I'm watching.
ColdStartBuilder211Community StarterCommunity StarterMay 19, 2026permalink
Don't get cute with the meetup or the payment. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2023 GMC Sierra 1500. I'd do that before spending real money. This is from a 2023 GMC Sierra 1500 in New York. No need to make it theatrical. Calling insurance in the morning before I reply to the desk.
RoadDetailerCommunity StarterCommunity StarterMay 19, 2026permalink
I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. I'd do that before spending real money. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. When does it actually happen? I asked for the buyer’s order in email, not a text.
GarageBuyer996Community StarterCommunity StarterMay 19, 2026permalink
Fair point. Counterpoint: A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. Then you'll know the next fork. I'd want a dollar figure or a measured spec, not 'should be fine.' A day of patience here is cheaper than a wrong part. If the title is messy I'm out, full stop.
BoxerPilot91Community StarterCommunity StarterMay 19, 2026permalink
That's a good start, but I wouldn't stop there. If the 2023 GMC Sierra 1500 still shows a lien, coordinate payoff with the lender before any cash changes hands. I'd do that before spending real money. Not gospel, but it saved me a headache. Not letting add-ons ride along because everyone does.
RotorDaily862Community StarterCommunity StarterMay 19, 2026permalink
Quick update: a second 2023 GMC Sierra 1500 quote made the first offer look ordinary. I screenshotted the quote for later.
LongMilesCommuter998Community StarterCommunity StarterMay 19, 2026permalink
Private-party deals fail on paperwork, not vibes. Independent PPI on the 2023 GMC Sierra 1500 is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. I'd want a dollar figure or a measured spec, not 'should be fine.' Worth doing even if the car feels fine right now. Not letting add-ons ride along because everyone does.
ColdStartBuilder211Community StarterCommunity StarterMay 19, 2026permalink
Private-party deals fail on paperwork, not vibes. If the 2023 GMC Sierra 1500 still shows a lien, coordinate payoff with the lender before any cash changes hands. I'd do that before spending real money. This is from a 2023 GMC Sierra 1500 in New York. No need to make it theatrical. Doc fee is the line I'm watching.
WrenchDriverCommunity StarterCommunity StarterMay 19, 2026permalink
Title status is the whole conversation. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. I'd do that before spending real money. This is from a 2023 GMC Sierra 1500 in New York. I'd want that in writing, not as a promise. If this is nothing, great. I want that in data.
RoadWrench173Community StarterCommunity StarterMay 19, 2026permalink
Don't get cute with the meetup or the payment. If the 2023 GMC Sierra 1500 still shows a lien, coordinate payoff with the lender before any cash changes hands. Then you'll know the next fork. This is from a 2023 GMC Sierra 1500 in New York. Have you gotten a second quote in writing? If the title is messy I'm out, full stop.
ColdStartLearner641Community StarterCommunity StarterMay 19, 2026permalink
Title status is the whole conversation. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2023 GMC Sierra 1500. I'd do that before spending real money. Any freeze-frame data saved? PPI guy I use is booked until next week, so I'm waiting.
BoxerPilot91Community StarterCommunity StarterMay 19, 2026permalink
Don't get cute with the meetup or the payment. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2023 GMC Sierra 1500. Then you'll know the next fork. Just my two cents from doing this recently. Make the next action something you can finish this week. I'm in no rush to be a hero on it.
GarageBuyer996Community StarterCommunity StarterMay 19, 2026permalink
I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. I'd do that before spending real money. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. I'd want a dollar figure or a measured spec, not 'should be fine.' If your situation is the opposite, ignore me. Wrote this up on my lunch break.
ColdStartLearner641Community StarterCommunity StarterMay 19, 2026permalink
Don't get cute with the meetup or the payment. Independent PPI on the 2023 GMC Sierra 1500 is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. This is from a 2023 GMC Sierra 1500 in New York. Was this after sitting overnight? If the title is messy I'm out, full stop.
ManualHunterCommunity StarterCommunity StarterMay 19, 2026permalink
I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. Then you'll know the next fork. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. This is from a 2023 GMC Sierra 1500 in New York. If it doesn't change the out-the-door or the repair estimate, it's noise. This is the filter I use when the thread starts repeating itself. I asked for the buyer’s order in email, not a text.
LongMilesCommuter998Community StarterCommunity StarterMay 19, 2026permalink
Don't get cute with the meetup or the payment. Independent PPI on the 2023 GMC Sierra 1500 is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. Run the total, not the monthly, before you commit. That's coming from doing this as an owner, not a shop. Calling insurance in the morning before I reply to the desk.
ColdStartLearner641Community StarterCommunity StarterMay 20, 2026permalink
I hear you, though I'd still want a second check. Independent PPI on the 2023 GMC Sierra 1500 is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. This is from a 2023 GMC Sierra 1500 in New York. Have you gotten a second quote in writing? This is the filter I use when the thread starts repeating itself. I'd rather look cautious in this thread than stuck later.
WrenchCollector59Community StarterCommunity StarterMay 22, 2026permalink
I hear you, though I'd still want a second check. Independent PPI on the 2023 GMC Sierra 1500 is cheap insurance versus a seller who “already had a friend look at it.” I'd do that before spending real money. This is from a 2023 GMC Sierra 1500 in New York. Write the result down so the next test isn't a repeat of the last one. Going to re-read the worksheet tonight.
HybridHauler494Community StarterCommunity StarterMay 19, 2026permalink
Private-party deals fail on paperwork, not vibes. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. Then you'll know the next fork. When does it actually happen? Your commute and mine probably aren't the same, but the test still applies. If they only talk monthly I'm walking.
NoMarkupFanCommunity StarterCommunity StarterMay 19, 2026permalink
I'd treat this like cash with a paper trail. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. That's where I'd start. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. If they can't show the line item, I assume it's hiding. If your situation is the opposite, ignore me. That's my plan before I call anyone.
DieselWrenchCommunity StarterCommunity StarterMay 20, 2026permalink
Quick add on that: Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. Then you'll know the next fork. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. This is from a 2023 GMC Sierra 1500 in New York. Happy to compare notes if your setup is different. If your situation is the opposite, ignore me. If they get vague again I'm shopping the deal elsewhere.
RotorDaily862Community StarterCommunity StarterMay 19, 2026permalink
OP here. Still looking, but I'm waiting on inspection notes before I send money on the 2023 GMC Sierra 1500. If they only talk monthly I'm walking.
GarageBuyer996Community StarterCommunity StarterMay 19, 2026permalink
Title status is the whole conversation. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. I'd do that before spending real money. I'd want a dollar figure or a measured spec, not 'should be fine.' Might be overthinking it, but I'd rather overthink than overspend.
RotorDaily862Community StarterCommunity StarterMay 20, 2026permalink
I asked about buyer wants to pay with cashier check again and they still won't put GAP/add-ons on their own lines. I'm keeping receipts and dates in one folder.
NoMarkupFanCommunity StarterCommunity StarterMay 20, 2026permalink
Title status is the whole conversation. A rushed deposit before you can inspect the 2023 GMC Sierra 1500 is enough reason to walk. That's where I'd start. I'd want that in writing, not as a promise. I'd sleep better after that step, even if it finds nothing. PPI guy I use is booked until next week, so I'm waiting.
HybridHauler494Community StarterCommunity StarterMay 20, 2026permalink
Don't get cute with the meetup or the payment. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2023 GMC Sierra 1500. Then you'll know the next fork. Have you gotten a second quote in writing? If the story changes I'll post the new data.
LongMilesCommuter998Community StarterCommunity StarterMay 20, 2026permalink
Don't get cute with the meetup or the payment. If the 2023 GMC Sierra 1500 still shows a lien, coordinate payoff with the lender before any cash changes hands. That's where I'd start. I'd want a dollar figure or a measured spec, not 'should be fine.' I'm in no rush to be a hero on it.
RotorDaily862Community StarterCommunity StarterMay 20, 2026permalink
PPI is scheduled. I'm not depositing until I see the 2023 GMC Sierra 1500 notes. Going to compare one more dealer before I decide.
WrenchCollector59Community StarterCommunity StarterMay 20, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. That's where I'd start. This is from a 2023 GMC Sierra 1500 in New York. Time, temperature, and whether it's in gear are the notes that actually help a shop. This is the version I'd tell a friend.
LongMilesCommuter998Community StarterCommunity StarterMay 20, 2026permalink
Don't get cute with the meetup or the payment. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. That's where I'd start. I'd want a dollar figure or a measured spec, not 'should be fine.' A day of patience here is cheaper than a wrong part. If the title is messy I'm out, full stop.
BoxerPilot91Community StarterCommunity StarterMay 20, 2026permalink
I'd treat this like cash with a paper trail. Meet at a bank or dealer title office for the 2023 GMC Sierra 1500, not a parking lot at night. I'd do that before spending real money. On “buyer wants to pay with cashier check,” that was the fork that mattered for me. This is from a 2023 GMC Sierra 1500 in New York. Just my two cents from doing this recently. This is the filter I use when the thread starts repeating itself. I asked for the buyer’s order in email, not a text.
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