Free Vehicle Lookup + Paid Report

    Finance Check by Registration

    See free DVLA vehicle details instantly, then run a paid history report to reveal outstanding finance risk before you buy.

    Enter a registration to see free vehicle details, then choose a paid report.

    Why Use This Check?

    HP & PCP Check

    Check all finance types

    Major Lenders

    All UK finance houses

    Real-Time Data

    Live database search

    Avoid Repossession

    Protect your purchase

    Why Finance Checks Are Essential

    When a car is bought on finance (HP, PCP, or loan), the finance company is the legal owner until it's fully paid. If the seller hasn't paid off their finance and sells to you, the finance company still owns it - and they can repossess it.

    You'd lose the car AND your money. A simple finance check before you buy can prevent this nightmare scenario.

    What Our Finance Check Covers

    Hire Purchase (HP) agreements
    Personal Contract Purchase (PCP)
    Finance lease agreements
    Conditional sale agreements
    All major UK finance houses
    Real-time database checks

    Frequently Asked Questions

    What is an outstanding finance check?

    A finance check reveals whether a vehicle has any outstanding hire purchase, lease, or loan agreements registered against it. If finance exists, the lender technically owns the vehicle until it's paid off.

    What happens if I buy a car with outstanding finance?

    If you buy a car with outstanding finance, the finance company can legally repossess it - even though you paid for it. You'd lose the car and your money, with little legal recourse against anyone except the seller.

    How accurate is the finance check?

    We check against all major UK finance houses and databases. However, some private loans or unregistered agreements may not appear, which is why we always recommend getting the finance settled in writing before purchase.

    Can finance be settled before I buy?

    Yes. If finance exists, the seller can contact their finance company to get a settlement figure. Once paid, the finance company will release the vehicle and you can buy safely.

    Is a finance check included in a full vehicle check?

    Yes, our Full Check includes comprehensive finance checks along with stolen status, write-off history, mileage verification, MOT history, and more.