Can I sell a car that is still on PCP finance?

Not as though you own it outright. You normally need to obtain and pay a settlement figure, or follow an approved dealer/finance-provider process, before title can pass.

In relation to “Can I sell a car that is still on PCP finance?”, a finance decision can look cheap month to month while being expensive overall; compare the whole contract rather than one advertised figure.

For “Can I sell a car that is still on PCP finance?”, keep a dated receipt and evidence of the keeper change. The exact transfer time can be useful if parking, toll, tax or enforcement correspondence appears later.

For “Can I sell a car that is still on PCP finance?”, read the agreement for the cash price, deposit, total amount payable, optional final payment, mileage allowance and return conditions. The monthly payment alone does not show the whole cost.

For “Can I sell a car that is still on PCP finance?”, ask the finance company for a current settlement figure before agreeing a sale or part-exchange. Compare it with the actual vehicle value to see whether there is equity or a shortfall.

For “Can I sell a car that is still on PCP finance?”, this answer is written for a Northern Ireland user, but some vehicle-registration, consumer-credit and insurance functions operate on a UK-wide basis. The attached sources — MoneyHelper - Personal Contract Purchase (PCP), MoneyHelper - Buying a car with Hire Purchase, and nidirect - Contact Consumerline — are therefore deliberately mixed where the responsible authority is UK-wide. That is more accurate than forcing every point into an NI-only source.

Practical next step for “Can I sell a car that is still on PCP finance?”: open the finance agreement and find the figures or clause relevant to this question. If you are changing or ending the agreement, request the current position directly from the finance provider before promising the car to anyone else.