What you'll need from your lender
Request a current payout figure and its expiry date from your finance provider. That number, plus the offer on the car, determines whether you receive a balance or need to cover a shortfall.
Finance owing
Sell a car with finance owing
You can sell a financed car. The loan has to be settled as part of the sale, and your buyer will walk you through exactly how that works for your situation.
- Encumbered vehicles bought regularly
- Payout process explained before you commit
- Works with novated, secured and dealer finance
- Negative equity situations discussed openly
If you owe more than the car is worth
This is common on newer vehicles. Your buyer will tell you plainly what the gap is so you can decide whether selling now still makes sense for you. Nothing is settled without your agreement.
Free inspection, no obligation
Inspections are free and there is no obligation to sell afterwards. A buyer confirms the car matches what you described, then finalises the offer and the paperwork with you.
Common questions
- Can I sell if the loan isn't paid off?
- Yes. The payout is handled as part of settling the sale rather than being something you must complete first.
- Will you check for an encumbrance?
- A PPSR check is standard practice when buying a used vehicle, so disclose finance upfront to keep the process straightforward.
Your car could be
sold today.
No listing to write. No strangers at your door. No week of messages that go nowhere. Enter your rego and an Instant Sell Car buyer will take it from there.