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Can I sell my car if it's still on finance?

Updated 7 July 2026

Yes, absolutely! Loads of our customers sell cars that still have outstanding finance. Here's how it works:

  • Get a settlement figure from your finance company (this tells you exactly how much you still owe)
  • Bring this settlement letter with you to your appointment - it needs to show the final amount and your finance company's bank details
  • We'll handle the rest - we can pay off your finance company directly, and you'll get the remaining amount (if there's any equity left)

Important bit: If you owe more than your car's worth (this is known as negative equity), you'll need to pay the difference. For example, if we value your car at £8,000 but you owe £9,000, you'd need to pay that £1,000 to clear the finance. We can talk you through this at your appointment.

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