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CarVouch

Experian data · £20k guarantee

Outstanding finance check — know before you buy.

Enter a UK registration plate and check if a used car has finance outstanding. Lender name, agreement type and term included. Experian data with £20k guarantee.

Free · Instant · No sign-up needed

Free scan shows MOT + mileage + advert red flags. Finance check requires Full Vehicle Check (£9.99).

What CarVouch's finance check includes

CarVouch queries Experian's finance database — the same source HPI uses — to reveal active agreements.

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Finance status

Clear or outstanding — instant verdict from Experian records.

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Lender details

The finance company name, so you can contact them directly if needed.

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Agreement type

Hire purchase, PCP, lease or conditional sale — what the car is subject to.

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Agreement term

How long the finance was originally agreed for.

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£20k Experian guarantee

If Experian data is wrong and you lose money, claim up to £20,000.

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PDF report

Download a shareable certificate with the finance check result.

Why check for outstanding finance before buying?

When a car is bought on finance, the lender holds legal title until the final payment is made. If the seller has not cleared the agreement, the lender can repossess the vehicle from you — the new keeper — even though you paid for it in good faith.

This is not a theoretical risk. Thousands of UK used-car buyers unknowingly purchase vehicles with outstanding finance every year. The seller pockets your money, defaults on the finance, and the lender traces the car via the DVLA keeper record.

Free checks do not reveal finance. DVLA and DVSA data is public, but finance agreements are held by credit reference agencies (Experian, HPI). Only a paid check that queries those databases can confirm whether finance is clear.

How CarVouch's finance check works

1

Enter the reg

Type the UK registration plate into CarVouch. Start with a free scan (MOT, mileage, advert analysis).

2

Upgrade to Full Check

Add the Full Vehicle Check (£9.99). We query Experian's finance, stolen and write-off database in seconds.

3

See the result

Finance status, lender name, agreement type and term shown in the report. Download the PDF certificate.

Outstanding finance check — FAQs

An outstanding finance check reveals whether a car is still subject to a finance agreement (hire purchase, PCP, lease) with a lender. If finance is outstanding, the lender legally owns the vehicle until the final payment is made.
If you buy a car that still has finance outstanding, the lender can legally repossess it from you — even though you paid for it. You could lose both the car and your money, with no automatic right to compensation from the seller.
An outstanding finance check queries the HPI/Experian finance records database. CarVouch's Full Vehicle Check includes Experian finance data, showing the lender name, agreement type, and term if finance is present.
No. Free checks from DVLA and DVSA do not include finance records. Only a paid check that queries Experian or HPI data can reveal outstanding finance agreements.
Yes — a seller can settle the finance on or before the sale. Always insist on seeing proof of settlement (a clearance letter from the lender) and run a final check after collection to confirm the finance marker has been removed.
Yes. CarVouch's Full Vehicle Check (£9.99) includes Experian finance records, the same data used by HPI. If finance is present, the report shows the lender, agreement type, and term.

Check for outstanding finance now

£9.99 Full Vehicle Check. Experian finance, stolen and write-off data. £20k guarantee. Instant PDF report.

Start free scan →