Outstanding finance car check

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Vehicle Identity Make, Model, Type... check check
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Vehicle Specifications Dimensions, Economy Rating, Engine Spec... close check
Standard Factory Spec List Exterior & Interior Features close check
Tax Status & MOT History check check
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Emission Zone Charges ULEZ & Clean Air Zone Compliance check check
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Stolen Includes data from PNC & MIAFTR close check
Outstanding Finance Powered by Experian close check
Written-Off Identity if written off by insurer close check
Salvage History Check if a vehicle appeared at a salvage auction close check
Ex-Taxi, Ex-Police, Ex-NHS Check if a vehicle was used as an ex-taxi or for public services close check
Scrapped/Unscrapped close check
Exported/Imported close check
Mileage Alerts Detect mileage rollbacks close check
VIN Check VIN check to prevent cloning close check
Ownership History Timeline Check number of previous owners close check
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Outstanding Finance Check

Buying a car with outstanding finance can be an expensive mistake, avoid this by upgrading your car check

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Stolen Car Check

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Previous Owner Check

How owners has it had? Frequent owner changes? Our vehicle keeper history check can uncover that information instantly

Mileage Anomaly Check

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Import/Export Car Check

Is the vehicle an import? Is the vehicle running on cloned plates while being marked as exported?

Scrapped Car Check

Make sure the vehicle you're driving is meant to be on the road and not scrapped or ordered to be destroyed.

Previous Number Plate Check

A numberplate check reveals the previous number plates linked to a vehicle and when it was changed.

What is Outstanding Finance?

Put simply; outstanding finance is when someone sells a vehicle without paying off the finance they’re still liable for. With the popularity of hire purchase agreements being used to purchase cars, it’s becoming a bigger problem than ever before. Whilst it may seem incredible, it’s perhaps not as uncommon as you think with dubious people offloading their vehicles without settling previous finance agreements.

How to Check if a Car is on Finance?

It’s easy to avoid this particular headache through our premium vehicle check. For less than a tenner, you can avoid this pitfall and safely check for any outstanding finance.

What are the Risks of Buying a Car still on Finance?

Unfortunately, despite most people being honest and reliable, there is an element of society who have no conscience about selling cars without settling with their finance company first. It happens more often than you think. If you end up purchasing a car with finance still attached, the finance company, who in most cases still own the vehicle if there is finance outstanding, will look to track the car down and seize it from you.

How to settle a Car if you have Finance?

If you own a vehicle that you’re thinking about selling but it’s still under some finance, you are legally obliged to settle any outstanding finance on the car. Whilst it’s not illegal to sell a vehicle with finance attached to it, you must obtain agreement from your finance company and pay all outstanding finance, including any early repayment fees and administration fees.

What are the types of Outstanding Finance?

There are many forms of ‘outstanding finance’ that could potentially be attached to vehicles. We’ve listed some of the most common ones below:

–      Hire purchase (HP) is when the lender owns the car until the loan is fully repaid, including the final ‘option to purchase’ fee.

–      Lease/Contract Hire is when a leasing/hire company owns the car, and ownership will not pass to you until the finance is fully settled.

–      Personal contract purchase (PCP) is when the finance company owns the vehicle until all conditions are satisfied, usually after all payments are made. It often has a large final ‘balloon’ payment.

–      A personal loan is when the lender has no interest or claim in the vehicle but has registered the personal loan as part of the Governments Responsible Lending drive. If the car you are interested in has this type of finance, you should seek clarification from the seller of the vehicle and the lender.

What information does an Outstanding Finance Check show?

Through our premium vehicle check, you’ll be able to check whether a vehicle has any outstanding finance and, if applicable, you’ll be able to see who the finance company is and the finance agreement details.