Free calculator
Car finance equity calculator
Find out whether selling your financed car puts money in your pocket.
Positive equity
£7,000
Voluntary termination
£5,000 to go
Equity is your car's value minus the finance settlement figure. If it's positive, selling releases cash. If it's negative and you've paid at least 50% of the total amount payable, voluntary termination may be the cheaper way out.
Get a real valuation for your car
Calculators give estimates. Specialist buyers give real offers.
Frequently asked questions
What is positive equity on car finance?
Positive equity means your car is worth more than the amount needed to settle the finance. You keep the difference when you sell.
What is voluntary termination?
Under section 99 of the Consumer Credit Act, you can hand a PCP or HP car back once you've paid at least half of the total amount payable, with nothing further to pay if the car is in reasonable condition.
Can you buy my car if it still has finance on it?
Yes. We settle the finance directly with your lender and pay any positive equity to you.
Official partner
Sold your car? Find the right finance for your next one.
Car Finance Match helps UK drivers compare PCP, HP and lease options from a panel of lenders — so the money from your sale goes further on the car you buy next.
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