ASK BEFORE YOU PAY
A car may still be linked to a finance agreement. Find out what has been recorded and get a clear answer before money changes hands.
Car Check
Our registration lookup is paused while the service is prepared. The guides and official links below are available now.
WHY IT MATTERS
Do not rely on a verbal promise.
The type of agreement matters. If a report flags finance, pause the purchase and find out who must settle it.
Check the history
A fuller provenance report may flag a recorded finance agreement. Review the date and the provider’s coverage.
Ask for evidence
Request written proof that the agreement has been settled, rather than accepting “it will be paid off after the sale”.
Confirm resolution
If finance is shown, ask how it will be cleared and obtain confirmation before you pay for the car.
IF FINANCE IS FLAGGED
Pause until it is resolved.
Some finance arrangements can give a lender rights over the vehicle. Do not assume that paying the seller clears an agreement. Seek confirmation from the finance company or appropriate professional advice if the position is unclear.
01 Ask what agreement exists
02 Request settlement evidence
03 Confirm before payment
THE DETAILS
Common finance questions.
Will a free MOT check show finance?
No. The official MOT record covers tests and mileage readings, not recorded finance interests. Check what a fuller history report includes.
What if the seller says it will be settled?
Ask for written evidence and a clear settlement process before paying. Do not depend on a future promise alone.
Does a clear report guarantee there is no issue?
No database is perfect or necessarily updated instantly. Read the report terms and compare the seller’s explanation with the paperwork.