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How to tell if there is outstanding finance on a car. Before you buy a used car, you should carry out a car registration check, which will tell you if any money is owed on the vehicle, and also if it has ever been involved in an accident or if itâs stolen.If youâre buying from a dealer, you can ask if they have carried out these checks or you can do your own.Our Car Passport can check the history of a vehicle and is thus a reliable way to avoid buying a car with outstanding finance.efore you buy a used car, you should carry out a car registration check, which will tell you if any money is owed on the vehicle, and also if it has ever been involved in an accident or if itâs stolen. If youâre buying from a dealer, you can ask if they have carried out these checks or you can do your own.
That will continue to be the finance company until the loan agreement has been paid off. Not all check providers have finance information, so make sure you use one who does have finance information. 1 in 4 vehicles checked with HPI in 2010 still had finance on them, so it remains a significant risk for used car buyers.If the loan is defaulted on, then the finance company could seize back the vehicle in lieu of payment.HPIâs origins are with finance companies and finance agreements so you can be assured that we will have the most comprehensive finance information available.If the vehicle youâre looking at still has finance on it, itâs not the end of the world.f the loan is defaulted on, then the finance company could seize back the vehicle in lieu of payment. HPIâs origins are with finance companies and finance agreements so you can be assured that we will have the most comprehensive finance information available.