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Second time of selling a car to this lad. Would recommend to any one to use him
Laura Thompson
in the last week
HP or PCP still owing?
Sell a Car With Outstanding Finance in Hexham
✓ We buy it as it stands, and collect it
Still paying HP or PCP on the car? You can sell it. We get the settlement figure, deal with the lender directly, and pay you any equity left over. We handle the lot.
Own recovery truck
Comes to your door, no fee
Paid before we leave
Instant bank transfer
V5C & DVLA sorted
We handle the paperwork
Free local collection
Hexham and the Tyne Valley
Sell a Car With Outstanding Finance in Hexham and the Tyne Valley
Having outstanding finance does not stop you selling your car, it just adds a step. On HP or PCP the finance company is the legal owner until the agreement is paid off, so the finance has to be settled as part of the sale. We do this routinely across Hexham and the Tyne Valley: you get a settlement figure from the lender, we deal with them directly, the finance is cleared, and any equity above the settlement is yours.
How a finance sale works with us
- Works for HP and PCP agreements
- You request a settlement figure from your lender
- We deal with the finance company directly
- The finance is settled, and any equity is paid to you
- If the settlement is more than the car's value, you cover the shortfall
You can sell, you just have to settle the finance
On a hire purchase or PCP agreement, the finance company owns the car until the final payment is made, which is why you cannot simply sign it over while money is still owing. The way round it is straightforward: ask your lender for a settlement figure, the amount to clear the agreement today. That figure tells us, and you, exactly where the car stands.
We deal with the lender directly
You do not have to find the money to clear the finance first. We deal with the finance company directly: the settlement is paid to the lender, the agreement is cleared, and if the car is worth more than the settlement, that equity is paid to you. If the settlement is higher than the car is worth, which can happen early in a PCP, you make up the difference, and we explain all of it plainly before anything is agreed.
Other routes, and the full legal picture
Depending on how far through the agreement you are, voluntary termination may also be an option once you have paid a set proportion of the total, and your lender can confirm where you stand. For the full legal detail on selling a financed car, see our guide to selling a car with outstanding finance. Whichever route suits, we will walk you through it.
Across the Tyne Valley, finance settled for you
We buy financed cars from Prudhoe to Haydon Bridge, deal with the lender directly, and pass on any equity that's yours.
Outstanding finance does not stop the sale. Get a settlement figure, we deal with the lender directly, and any equity is yours.
How it works
1
Send your reg and a photoWe price it from what the car actually is, including the fault.2
We bring the truckWinch and jump pack as standard. Leave the car where it is.3
Paid before we leaveInstant bank transfer, and we take the V5C and notify the DVLA.Prefer to talk? Call us on 01434 400 444. Local and family-run since 2021, free collection across NE46, NE47 and NE48.
Common questions
Can I sell a car that still has finance on it?
Yes. You can sell a car with outstanding HP or PCP finance, you just have to settle the agreement as part of the sale because the lender owns the car until it is cleared. We deal with the finance company directly and pay you any equity.
How does selling a car on finance work?
You ask your lender for a settlement figure. We deal with the finance company directly, the settlement is paid and the agreement cleared, and any value above the settlement is paid to you. If the settlement is higher than the car is worth, you cover the difference.
Do you buy cars on PCP?
Yes, PCP and HP both. We get the settlement figure, settle directly with the lender, and pay you any equity. Depending on how much you have paid, voluntary termination may also be an option, and your lender can confirm.
Where can I sell a financed car near me?
We are based in Hexham and buy cars with outstanding finance across the Tyne Valley and Northumberland, including Prudhoe, Corbridge and Haydon Bridge, with free collection and the finance handled for you.
Who buys a car with outstanding finance near me in Hexham and the Tyne Valley?
We do. We Buy Cars Hexham is a local buyer with our own recovery truck, not a national call centre. We buy a car with outstanding finance directly: we come to your door across Hexham, the Tyne Valley and the wider North East, collect on our own transport if it will not drive, pay by bank transfer on collection with no admin fees, and handle the DVLA paperwork for you. Enter your reg for a free valuation first.
No obligation, no pressure
Tell us what you have. We will bring the truck.
Enter your reg or send a photo. Whatever is wrong with the car, we factor it in fairly and the figure we quote is the figure you are paid.
