It's not hard to sell a financed car ; there are just a couple of extra steps to undertake to make sure you're doing so lawfully.  Car finance explained You can sell your car on HP and PCP finance, including when there is outstanding finance. You can never sell a car you're leasing, however, because it's never really yours. When your car is financed through PCP or HP, the finance company owns the car until your balloon payment (or final payment, in the case of HP) is made. Then, ownership transfers to you.

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