Get an Online Offer for an Accident-Damaged Car with Finance Owing in South Africa

How an online offer works when finance is owing

Start by uploading make, model, year, a description of the damage and clear images through our online form. We calculate a competitive cash offer based on condition and current salvage demand, then explain next steps if there is outstanding finance. To begin, get your free quote or learn more about our process on the About / How it works page.

Why disclose finance details up front?

• It lets us provide an accurate, transparent offer and outline how settlement with your financer will proceed.
• Many financiars require a settlement figure or written authorisation before ownership can change - early disclosure avoids delays at collection.
• We can usually coordinate directly with the lien holder to settle or transfer funds from the sale proceeds where applicable.

Simple step-by-step: online offer to collection

1. Submit vehicle details and photos online - the form is quick and accepts finance notes.
2. Receive an obligation-free online offer that factors in damage and any disclosed finance.
3. If you accept, we confirm collection details, liaise with your financer if needed, and arrange free towing nationwide.
4. We handle paperwork (including deregistration assistance) and release payment after settlement steps are complete.

To see how we handle non-running or heavily damaged vehicles, check the Sell Damaged Cars and Sell Non-Running Car pages for condition-specific guidance.

Handling outstanding finance - practical options

Every financer has its own procedures. Common approaches we use with clients in South Africa include arranging a direct payoff to the lien holder from the sale proceeds, coordinating a transfer of ownership once the financer issues a clearance letter, or assisting a customer to settle any shortfall. We do not replace the financer’s legal role; we will explain required documents and expected timelines after we receive your finance details.

What to expect on collection and payment

• Free towing: collection across Johannesburg, Cape Town, Durban and nationwide at no cost to you.
• Paperwork: we assist with transfer paperwork and deregistration guidance to reduce admin burden.
• Payment timing: funds are released once financer settlement or required clearances are completed, or per the agreed settlement path.

Damage types and how they typically affect offers

Tips to speed up the sale when finance is owing

• Be transparent about finance and provide contact details for your financer to speed verifications.
• Have your ID and vehicle documentation ready to avoid delays at collection.
• Accepting our offer and authorising communication with the financer reduces turnaround time.

Ready to get an online offer?

Upload your vehicle details and finance information and we will respond with an obligation-free online offer and clear guidance on settlement options. To start, Upload vehicle details and select the finance option in the form. After you accept, confirm collection and we’ll handle towing and paperwork so you can get paid fast.

Sources

• National Credit Regulator (NCR) - consumer guidance on credit agreements
• Road Traffic Management Corporation - vehicle registration and deregistration information
• Automobile Association South Africa - advice on selling damaged or non-running vehicles