Outstanding finance check

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Find out if the car's finance has been settled.


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Buying a car without noticing that it has an outstanding finance agreement can cause a lot of trouble. In this situation, the seller would not have had the legal right to sell the car to you, and the car would still be considered the property of the company that arranged the finance agreement.

Performing a simple outstanding finance check before buying a car can prevent this challenging situation.

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Performing a Full Car History Check before buying a car is a smart move to ensure peace of mind when purchasing a car. With 24/7 customer service, we've got you covered. In this guide, we'll highlight the essential tools at your disposal to uncover outstanding finance in a vehicle's history.

We'll also highlight the crucial information an outstanding finance check report provides, including important DVLA details. And if you discover that you've unintentionally acquired a car with a hidden finance agreement, we'll walk you through the necessary steps to resolve the situation.

Why consider an outstanding finance check before purchasing a car?

An Outstanding Finance Check provides essential information about a vehicle's ownership status, making it a crucial step for both buyers and sellers. This check ensures that there are no outstanding financial claims on the car, assuring the legality of the transaction.

Failure to perform this check poses the risk of the vehicle being repossessed by the finance company, which can result in the loss of legal ownership for the buyer. Verifying whether a car has outstanding finance can save you from potential future complications, financial burdens, and undue stress, making it a prudent choice before purchasing a car.

What does an outstanding finance check reveal?

Our Outstanding Finance Check offers a comprehensive report that includes details such as:

  • Finance agreement date
  • Finance agreement type
  • Finance agreement term
  • Finance agreement number
  • The contact number of the finance company

These details can be used to contact the finance company and determine the current financial status of the vehicle. In addition to outstanding finance, our vehicle history check can also inform you about other critical information, including:

  • Whether the vehicle has been declared an insurance write-off
  • If the car has been reported as stolen by the police

So, with our Outstanding Finance Check, you can gain valuable insights into a vehicle's financial and legal history.

How do you avoid buying a car with outstanding finance?

Take these actions to steer clear of purchasing a car with outstanding debt:

  • Conduct a comprehensive vehicle check: An online vehicle check is a good way to check the vehicle's history. Through our outstanding finance check, you can find out if there are any finance agreements details on the vehicle.
  • Verify seller information: Confirm that the seller is the legitimate owner by checking their ID against the vehicle’s documents.
  • Request proof of finance settlement: If the seller claims the finance has been settled, ask for written confirmation from the finance company.
  • Choose reputable dealers: Purchase from trusted dealers who guarantee their cars are free from outstanding finance.
  • Seek legal advice if unsure: Consult a legal expert to ensure all financial obligations on the vehicle have been cleared.
  • Don't be afraid to ask questions: if a deal seems too good to be true, it probably is. You should ask the seller about the car's history and financial status before you buy it. If something doesn't feel right, follow your instincts and leave.

By following these steps, you can confidently avoid the pitfalls of buying a car with outstanding finance.

How long does it take for outstanding finance to be cleared?

Once the outstanding finance is settled, the relevant paperwork and records may take a few days to update to reflect this clearance. For precise information regarding a particular case, it's best to consult the finance provider directly or use a reliable vehicle check service like Car Analytics for up-to-date insights like agreement number, type, and date.

Read more about how to avoid buying a financed car.

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