Sell my car with outstanding finance

We buy cars that have at least two weeks of valid MOT left from the date we receive your car.

This means that if your handover is on 1 August, your car's MOT needs to be valid until at least 14 August.

We only buy cars with a valid V5C that matches the number plates that are on the car you want to sell. You’ll need to make sure that your V5C is a red certificate and not a blue one. 

If you have personalised plates that you’d like to keep, the car will need to have the original number plates attached and a matching valid V5C on the handover day.

We don’t buy cars that:

• Are different from the description you gave us

• Have issues identified by a car history check

• Have extensive damage or are beyond repair

• Have structural damage, such as to the sill, roof or boot floor

• Have dents larger than a football or holes in the panel

• Have electrical damage, such as to the engine, bodywork or steering

• Have mileage discrepancies

• Have tyres that aren’t road legal 

• Have been used for taxi, private hire, chauffeur or rental purposes

• Have been used for driving lessons 

• Have been used as a police vehicle or by a local authority

• Have insurance issues

• Have been written off

• Have been imported or exported

• Have mechanical or electrical faults

• Haven’t got a valid MOT

• Haven’t been first registered in the UK

• Are valued by us at £65,000 or more

• Are older than 15 years old

• Have been modified*

*A modification is any cosmetic, mechanical, electrical or software-based change you make to a car that isn't part of the original manufacturer's specification. We can accept cars that have been modified with tow bars.

We're unable to buy your car if you’ve been registered as the keeper for less than six months. We don’t buy ex-rental or commercial vehicles, vans, motorbikes or trucks.

We’re also unable to buy your car if the valuation is less than the amount you owe your finance lender. If it is, you can choose to part exchange your car instead. You can get another car entirely online before your current car finance agreement ends.

The offer you see is the offer you’ll get and is guaranteed for 7 days from the day you get your valuation.

We may have to revalue or reject the car if:

• The car doesn't match the description you’ve given us.

• The car is in a significantly different condition than you stated during the online valuation. Understand how we define our conditions.

• The mileage isn’t within 1,000 miles of the figure you provided during the online valuation.

• You don’t have the right to sell the car or we identify an issue from our car history checks.

• The car is on the list of vehicles we don’t buy. Learn more about the cars we will and won’t buy.

Please see our sell car terms and conditions for further information.

Not yet, but stay tuned! At the moment, you can book a drop-off slot in as little as 48 hours. We’ll give you a valuation and if you’re happy, we’ll take your car off your hands and pay you instantly. The money will be in your bank account straight away, at no extra cost.

Your finance settlement amount is how much is left to pay on your current car finance agreement. You can request this from your lender.

They’ll provide you with your settlement letter via email or by post. The amount is typically valid for 14 days from the date you request it or your next payment date.

To sell us your car with outstanding finance, you’ll need to email us a photo or a digital copy of your settlement letter before you hand your car over.

At the moment, we’re unable to buy your car if your outstanding finance is higher than your car’s valuation. This is known as negative equity.

Once the amount you owe is lower than your car’s valuation, you can then sell us your car.

You’ll need to sell your car with valid, up-to-date road tax if your car is parked on a public road or you’re driving it to a Customer Centre on the handover day.

You’ll get an automatic refund for any unused period of road tax.

You also need to cancel your policy directly with your insurer.

Current market prices - We use live market data to provide a fair and accurate price.

Age and mileage - Newer cars and cars with a lower mileage retain more of their value.

Condition - Imperfections such as scratches, dents, wear and tear will reduce your car’s value.

Previous owners - Cars with fewer previous owners are generally valued higher.

Service history - A car with a full service history will retain more of its value than a car with a partial or missing one.