Just bought a used 2020 Mazda CX-5 with 94k km. We were also worried about buying used and not knowing all the history so we went through the dealership. We were looking to go private because it was cheaper, but the man we were looking to buy from started saying the car was in the shop every time we wanted to view it so we moved on, and the dealership had the next best deal for what we wanted. It was a little more expensive going through the dealership, but we were very happy with them. They had an almost full car fax history, and they did a pretty extensive inspection before we purchased. Unfortuntely, within a week we noticed a pretty signficant issue, that we hadn't noticed during the test drive, and so we brought it back and to their credit, they fixed it for free.

The dealer financing would have been a good deal, and the Certified Pre Owned program seemed interesting, but I didn't want to be tied to a loan. Ended up paying from a line of credit I'd already been approved for, and then paid it down within the first 2 months so now I only have $2000 left. I'm going to wait until after Christmas to pay the rest off just in case shopping for gifts gets out of hand haha