Sell Your Car With Outstanding Finance

PCP or HP? The finance is settled directly with your lender as part of the sale.

With PCP and HP finance, the finance company owns the car until the agreement is paid off — so you cannot legally sell it privately without settling first. That puts many people off selling. We make it simple: the buyer pays your lender the settlement figure directly, and any equity left over is paid to you.

If you owe more than the car is worth (negative equity), you will need to pay the difference to the lender. We will tell you up front so there are no surprises.

Get your settlement figure

Ask your lender for a settlement figure — most show it in their app or online account.

We pay the lender

The buyer settles the finance directly, so ownership transfers cleanly.

You keep the equity

If the car is worth more than you owe, the difference is paid to you.

Manual review

Finance cases get a personal review so everything is checked properly.

How It Works

Three simple steps to sell your vehicle. No dealerships. No hassle.

Enter your registration

Takes 10 seconds. Just your plate number and current mileage.

Tell us about your vehicle

Condition, service history, finance status. All quick and simple.

Get your offer

Instant estimate or personal review — we respond fast, always.

Start My Free Valuation →

Got questions?

Sell Your Car With Outstanding Finance: your questions answered

Can I sell my car if it is on PCP?

Yes, but the finance must be settled as part of the sale because the lender owns the car until then. The buyer pays the lender directly using your settlement figure, and any equity is paid to you.

What if I owe more than my car is worth?

This is called negative equity. You can still sell, but you must pay the shortfall to your lender so the finance is cleared. We will show you the numbers before you commit.

How do I get a settlement figure?

Contact your finance company or check their app or online account. Settlement figures are usually valid for a limited time, often around 7–28 days.

Is it illegal to sell a car on finance?

Selling a car that is still owned by a finance company without settling the agreement is not allowed, and the lender could reclaim the car from the buyer. Settling the finance as part of the sale avoids this completely.

Helpful guides

How to Sell a Car With Outstanding Finance (PCP & HP)

Can you sell a car on finance? Yes — here is exactly how to do it with PCP or HP, how settlement figures work, and what to do about negative equity.