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.

What happens if you buy a vehicle with outstanding finance unknowingly?

You should pay off the remaining debts even though you purchased them unknowingly. Seek legal advice if you cannot settle the debts; the lender will repossess the vehicle. Why so? The finance company is the legal owner, so you can only enjoy the ownership once the debt has been paid.

You are fortunate if you get help from your insurance; mainly, the packages won't be applicable for settling someone's vehicle debt for you. Better yet, always consider whether covering the previous owner's debt sits right with you. Learn more about how to avoid buying a financed car.

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