Vehicle check
Vehicle check

Check if a car has outstanding finance

Enter your reg below to view the outstanding finance of a car

What does our Car Finance Check include?

Finance Agreement Status

We reveal if a vehicle is still under a finance agreement. This is crucial because a car with outstanding finance might still belong to the lender.

Outstanding Finance Details

Our check shows if there's any outstanding finance on the car. This includes the type of finance agreement and the finance company involved.

Ownership and Finance Risks

We highlight any risks related to ownership due to unpaid finance agreements, so you can avoid future problems.

How does our finance check work?

Buying a used car can be risky, especially if you're not certain about its financial history. A finance check is crucial because cars with outstanding finance technically belong to the lender, not the seller.

Why check for outstanding finance?

This means you could lose the car or face legal trouble if you purchase it unknowingly. The VehicleScore website makes it easy to check a car's finance status.

Car finance check illustration

How to Check Your Car Finance Status Online

Checking a car's finance status on the VehicleScore website is quick and simple.

Step-by-Step Guide

  1. Visit the VehicleScore website.
  2. Navigate to the car finance check section.
  3. Enter the vehicle's registration number.
  4. Click on "Check Finance" to retrieve the results.
  5. Review the finance status and ownership risks.

Interpreting Car Finance Data

Understanding the results of a car finance check is crucial. The report will tell you if there's outstanding finance, who the lender is, and the remaining balance. If the car is flagged with any financial issues, it's a red flag to proceed with caution.

Always look for finance agreements that are fully cleared or proof from the seller that the car is debt-free. If the seller cannot provide this, it's best to avoid the purchase.

Frequently Asked Questions

A car finance check determines if a vehicle has outstanding finance agreements, such as hire purchase or PCP.

It's essential because buying a car with outstanding finance could mean the lender has the legal right to repossess the vehicle.

Our car finance check tool is simple to use—just enter the vehicle's registration number, and you'll receive an instant report detailing the finance status.

The report includes information about outstanding finance, the type of finance agreement, and the lender.

It's not advisable to buy a car with outstanding finance unless the seller clears the balance with the lender before the sale.

You should ensure the car's finance agreement is settled and the title is transferred.

If you buy a car with outstanding finance, the lender could repossess the vehicle, even if you've paid the seller.

You may also face legal issues or financial losses if the car isn't cleared of its finance obligations.

Check if a Car Has Outstanding Finance | VehicleScore