🚗 Settling outstanding finance before selling or scrapping my car

If your car still has outstanding finance, you can’t legally sell or scrap it — the finance company still owns the vehicle until the balance is cleared.

Here’s what you need to do before selling or scrapping your car with us:

• Contact your finance provider and ask for a settlement figure. This is the total amount needed to fully clear your agreement.
• Make payment directly to the finance company. Be sure to keep a record of payment and confirmation that the agreement has been settled in full.
• Only once the finance is cleared and you’ve received confirmation that the car is fully yours can you proceed with selling or scrapping it.

⚠️ Important: Trying to sell or scrap a car with outstanding finance is illegal and could result in serious issues for you.

💡 Top tip: If you’re not sure whether there’s finance on the vehicle, you can check with your finance provider or run a vehicle history check for peace of mind.

Once your finance is cleared, you’re good to go — and we’ll make the rest easy! If you have any questions, just call us on 01772 900000 or email help@car.co.uk.