Selling a car you're still paying for.
It's completely normal, completely legal done properly — and we handle it every week.
Three steps, all handled.
Get your settlement figure
Ring your finance company and ask for a settlement figure — or we'll guide you through it. It's usually valid for 10–14 days, which is plenty of time to complete the sale.
We pay the finance company directly
On completion, we settle the agreement straight to the lender. This protects you and us — the debt is cleared, in writing.
You get the difference, same day
Whatever's left after settlement is transferred to you on collection, before the car goes anywhere.
What if I owe more than the car is worth?
That's called negative equity, and it's common — especially on newer cars. It simply means you pay the shortfall to clear the agreement, usually directly to the finance company alongside our payment. We'll set out the exact numbers before you commit to anything — and if selling doesn't make financial sense for you right now, we'll say so.
PCP, HP and leases.
HP and PCP agreements can be settled and the car sold exactly as above. Leases and PCH are different — the car isn't yours to sell. But talk to us anyway and we'll point you in the right direction.
Finance, answered.
Finance on the car? No problem.
Get your valuation and we'll walk you through the settlement side.