Outstanding finance check
A car with unpaid finance can be repossessed from you after you buy it. Check the finance status against the registration before you hand over money.
If a car is still on finance, the finance company — not the seller — legally owns it. Buy it in good faith and the finance company can still send a recovery agent to your driveway if the previous owner defaults. You lose the car and your money.
CheckReg's Full Buyer Protection Check queries the finance industry database in real time. If there is an active agreement against the vehicle's VIN it appears in the report, with the lender identified.
The finance company still legally owns the vehicle. If the previous owner defaults, they can repossess the car from you — even though you paid for it. You would have to chase the seller for a refund, which is often impossible.
The Full Buyer Protection Check queries the finance industry database used across the UK vehicle finance market — the same source larger providers use. If any active finance agreement is registered against the VIN, the report flags it with the lender's name.
The outstanding finance check is the marquee reason people buy an HPI-style report. CheckReg includes it in the Full Buyer Protection Check alongside write-off, stolen and mileage checks.
Full Buyer Protection Check from £8.90 — finance, write-off and theft included.
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