Index
Managing & Ending Car Finance
How to manage, change or end your car finance — settle early, overpay, hand the car back, sell or refinance. Work out your figures with the free settlement and negative-equity calculators.
IndependentWe sell no financeNo commissionMaths based on FCA rules & the Consumer Credit Act 1974
Managing & ending
- 01Settle or SellYour options to end car finance early — settle, sell, part-exchange or voluntary termination — and what each costs. Work out your settlement figure free.
- 02Voluntary TerminationVoluntary termination (Section 99, CCA 1974) lets you end PCP or HP once you've paid 50%. How it works, what it costs and when to use it — free, plain English.
- 03Selling on FinanceHow to sell or part-exchange a car that still has outstanding finance, legally and safely. Settlement, equity and swapping finance explained — free and independent.
- 04Negative EquityWhat negative equity is, why it happens on PCP and HP, and how to get out of it. Check how much you're in using our free negative equity calculator.
- 05Check FinanceHow to check whether a car is on finance before you buy, and how to find out how much is left on yours. Free methods, and what each check shows you.
- 06How to Refinance Your Car FinanceHow to refinance your car finance, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 07Can You Transfer Car Finance to Someone ElseHow to transfer car finance to another person, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 08Missed a Car Finance PaymentHow to handle a missed car finance payment, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 09How to Complain About Your Car FinanceHow to complain about car finance, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 10End of a PCPHow to reach the end of a PCP, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 11End of an HP AgreementHow to reach the end of an HP agreement, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 12How to Lower Your Car Finance PaymentsHow to lower your car finance payments, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 13How to Read Your Car Finance AgreementHow to read your car finance agreement, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 14How to Find Out Who Your Car Finance Lender IsHow to find your car finance lender, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 15Can You Pause Car Finance PaymentsHow to pause car finance payments, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 16How Long Does Car Finance Take to ArrangeHow to arrange car finance, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
- 17Voluntary Surrender of a Car on FinanceHow to voluntarily surrender a car on finance, step by step, with the costs and risks explained. Then work out your settlement figure with our free, independent calculator.
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