text: What is a "settlement figure"? A settlement figure is the amount required to fully repay your current finance deal. It will include any fees and rebate on interest charges that may be due.
  You'll need to ask your current car finance lender to provide your settlement figure before you can complete your switch. They can usually do this over the phone, via email (which takes approx. 2-3 days) or by post (which takes approx. 7 days). A settlement figure is valid for 28 days from the date you request it.