In the UK, it’s common for cars to be sold while still under finance agreements. Until the debt is cleared, the finance company is the legal owner. Without an outstanding finance check, you risk buying a car that isn’t legally yours and could be repossessed.
Our Outstanding Finance Check is included in the Full Vehicle History Report. By upgrading, you’ll see if there are any active loans on the vehicle, along with the finance company details. This ensures you know the true status before paying for a car.
Whether it’s a car, van, or motorcycle, a car outstanding finance check gives you essential protection. Always confirm the finance status in our Full Report before committing to a purchase.
Our Full Report includes outstanding finance check results, showing if the vehicle is still owned by a lender and the type of agreement in place.
Enter the registration, select Full Check, and receive a complete report within seconds — including finance status, lender details, and risk alerts.
We use multiple UK data providers to deliver accurate, up-to-date finance information as part of our vehicle history report.
Alongside the car finance check, you’ll also get MOT history, tax status, write-off alerts, stolen checks, and more in one Full Report.
To check if a car has outstanding finance, follow these steps:
Our Full Report ensures you check outstanding finance on a car with confidence before handing over any money.
Outstanding finance means the seller may not fully own the vehicle. Even if you pay them, the finance company could legally reclaim it. With our outstanding finance check included in the Full Report, you avoid this risk.
Research shows that many used cars carry financial or legal issues. By running a Full Report, you’ll know the full background, including finance, theft, mileage, and insurance write-off checks.
If your outstanding finance check flags a loan, here’s what to do:
It reveals if the vehicle is still under a finance agreement, including lender details and agreement type. This feature is available in our Full Report.
No. The outstanding finance check is only included with our paid Full Vehicle History Report, which combines multiple checks in one.
To protect yourself from repossession or legal disputes. Without a finance check, you could buy a car that still belongs to a lender.
Enter the reg, select Full Report, and review the finance results included with the vehicle history check.
Only if the finance is cleared first or with the lender’s approval. Always run a car finance check before selling or buying.