Selling a car with outstanding finance requires the finance company's involvement — but it's a straightforward process we've handled many times in Whangarei. Here's exactly how it works.
The PPSR Register and Your Car
The Personal Property Securities Register (PPSR) records any financial interests over your vehicle. We run a PPSR check on every vehicle we buy. If finance is registered, the process is:
- We agree a purchase price with you
- We pay your finance company directly the outstanding balance
- You receive the difference (if any) between our purchase price and the payout amount
- We obtain a discharge of the PPSR registration
What if the Finance Exceeds the Car's Value?
If you owe more on the car than it's worth (negative equity), you'll need to cover the shortfall to clear the title. We can still buy the car — but you'd need to pay the difference to your finance company. We advise on this transparently on every call.
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Is car removal free?
Yes — free removal is included across all Whangarei and Northland. Zero deducted from your payment. Call 0800 600 069.
Do you need a WOF or rego to sell?
No. We buy vehicles in any compliance state. NZTA MR13 paperwork completed on site at no charge.