Part of the £4.99 full history report

Check for recorded car finance

Before committing to a used car, check whether a finance agreement is recorded against it. The finance check is part of our one-off £4.99 full history report.

Start with the free MOT and mileage check. Confirm the vehicle, then choose the full report for £4.99. This paid history check is not included in the free result.

What the finance check can show

The provider’s recorded outstanding-finance status for the registration.
Available lender name, agreement type, start date and term.
A plain-English finding and the records behind it, alongside write-off and theft checks.

A finance check reflects the provider’s records at retrieval. It is not a live settlement quote or a guarantee that every debt has been reported. An unavailable status is shown as unconfirmed, rather than clear.

Explore a sample report

What to do with the result

Match the vehicle first
Check the make, model, registration and physical VIN against the car and its documents. A report can only help if it describes the vehicle in front of you.
Resolve a recorded agreement before payment
Ask the seller for settlement evidence. Verify the agreement and proposed settlement directly with the lender using independently obtained contact details; do not rely on a screenshot alone.
Keep the evidence together
Retain the dated report, seller communications and documents confirming any settlement. Seek independent consumer advice if ownership or an agreement is disputed.

Questions before you check

Is the finance check free?: No. The free result covers recorded MOT history and mileage. Finance, write-off and theft records are included in the £4.99 full report, offered after you confirm the vehicle.
Does a finance marker mean every buyer has the same legal position?: No. The agreement, seller and circumstances matter. Treat a marker as an issue to resolve before proceeding, and seek independent advice if you have already bought the car. A report is not legal advice.
What does no finance recorded mean?: It means the checked provider records did not return an outstanding-finance marker at that time. New or delayed records and incomplete source data remain possible; verify any documents or seller statements that conflict with the report.

Sources and next steps

Reviewed 15 October 2026 by Plateworthy. General guidance; verify the vehicle and documents before buying.

Getting things ready

Lining up the next part of your vehicle check.

Check for recorded car finance

Before committing to a used car, check whether a finance agreement is recorded against it. The finance check is part of our one-off £4.99 full history report.

Start with the free MOT and mileage check. Confirm the vehicle, then choose the full report for £4.99. This paid history check is not included in the free result.

What the finance check can show

The provider’s recorded outstanding-finance status for the registration.

Available lender name, agreement type, start date and term.

A plain-English finding and the records behind it, alongside write-off and theft checks.

Explore a sample report

What to do with the result

Match the vehicle first

Check the make, model, registration and physical VIN against the car and its documents. A report can only help if it describes the vehicle in front of you.

Resolve a recorded agreement before payment

Ask the seller for settlement evidence. Verify the agreement and proposed settlement directly with the lender using independently obtained contact details; do not rely on a screenshot alone.

Keep the evidence together

Retain the dated report, seller communications and documents confirming any settlement. Seek independent consumer advice if ownership or an agreement is disputed.

Questions before you check

Is the finance check free?

No. The free result covers recorded MOT history and mileage. Finance, write-off and theft records are included in the £4.99 full report, offered after you confirm the vehicle.

Does a finance marker mean every buyer has the same legal position?

No. The agreement, seller and circumstances matter. Treat a marker as an issue to resolve before proceeding, and seek independent advice if you have already bought the car. A report is not legal advice.

What does no finance recorded mean?

It means the checked provider records did not return an outstanding-finance marker at that time. New or delayed records and incomplete source data remain possible; verify any documents or seller statements that conflict with the report.