Outstanding Finance Check
Find out if a vehicle still has money owed on it before you hand over a penny. Buying a car with outstanding finance means it could legally be repossessed.
Run a Finance CheckIf a car is still on a finance agreement, the finance company technically owns it — not the seller. That means if you buy it, the lender can repossess the vehicle and you could lose both the car and your money.
Our finance check queries the outstanding finance databases used by lenders across the UK, showing you whether there is an active agreement registered against the vehicle, the type of agreement, and the finance provider where available.
What this check covers
Active Finance Agreements
See whether the vehicle currently has any outstanding finance registered against it.
Agreement Type
Identify HP, PCP, lease or conditional sale agreements where reported.
Finance Provider
The lender registered against the agreement, where the data is available.
Agreement Date
When the finance was taken out, so you can gauge how much may remain.
How it works
Enter the reg
Type in the vehicle registration number you want to check.
We check the databases
We query official DVLA, DVSA, Police and insurance records in real time.
Get your report
Your full vehicle history report is ready in under 30 seconds.
Frequently asked questions
Can I still buy a car with outstanding finance?
You can, but it is risky. Until the finance is fully settled the lender may retain a legal interest and could repossess the car. Always ask the seller for proof of settlement first.
Does a finance check guarantee the car is clear?
Our check reflects the records reported to the finance databases at the time of your search. It is the same data lenders rely on, but you should always keep your report as evidence.
Is finance included in the Full HPI Check?
Yes. Outstanding finance is one of the core provenance checks included in our Full HPI Check.
Check for outstanding finance now
Get a full history report in seconds — from just £9.99.
Run a Finance Check