How to use the Cars Finance Checker
You only need the registration number. Enter it into the search bar above and you will receive a finance status within seconds.
What your report contains
- Agreement type (HP, PCP, lease or conditional sale).
- Lender name and reference number where available.
- Outstanding balance flags and settlement notes.
- Ownership risk indicator to explain if the lender could repossess the car.
Use this information to negotiate with the seller or insist that the finance is cleared while you are present.
Buying from dealers vs. private sellers
Reputable dealers will show you finance clearance paperwork automatically. Private sellers may not realise outstanding finance exists, so always run your own check.
Keep a copy for your records
Download the PDF and store it with the vehicle’s paperwork. If questions arise later, you have proof that you performed due diligence before buying.