Buying a car with outstanding finance can lead to repossession — even if you didn't know about it. CarVerified's free car finance check searches Experian data instantly by registration number, so you know before you buy, not after.
• Active finance agreements (HP, PCP, lease)
• Finance provider details
• Agreement type & risk level
• Logbook loan indicators
Enter the vehicle's registration number into CarVerified's free check to instantly see a finance summary. If an active agreement is found, our GOLD CHECK report shows the finance provider, agreement type and risk level, alongside mileage, write‑off, stolen and MOT data — so you have the full picture before you buy.
A finance check confirms whether a car has an active finance agreement — which is what actually protects you as a buyer, since a vehicle with outstanding finance can legally be repossessed from you even if you bought it in good faith. The exact remaining balance is private information held by the lender, not DVLA or public records, so no finance check (including ours) can show that figure — only the finance company can.
Is a car finance check free?
Yes. CarVerified's free vehicle check includes a summary finance indicator, so you can see whether a car may have outstanding finance before you buy. For full lender and agreement details, our paid GOLD CHECK report goes into more depth.
How do I know if a car has outstanding finance?
Enter the registration number into CarVerified's free check. We search Experian finance data for active HP, PCP and lease agreements linked to the vehicle and show you the result instantly.
How much finance is left on my car?
A finance check confirms whether a vehicle currently has an active finance agreement — which is what matters most before buying, since undisclosed finance can lead to repossession. The exact remaining balance is private lender data and isn't shown by DVLA or third‑party checks; you'd need to contact the finance provider directly for that figure.
What happens if I buy a car with outstanding finance?
If a seller doesn't own the car outright, the finance company can legally repossess it — even from an innocent buyer — because the vehicle was never theirs to sell. Running a finance check before you buy is the easiest way to avoid this risk.