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Sell your car quickly even with outstanding finance. We coordinate lender settlement, handle paperwork and provide free nationwide towing and fast payment.
We coordinate settlement with your lender and manage title transfer.
Free towing and collection across Johannesburg, Cape Town, Durban and beyond.
Upload car details, get an offer, and we handle paperwork and payment.
Selling a car while there is still finance owing can feel complicated, but it is a common situation in South Africa. Whether you have accident damage, mechanical issues or simply want to move on quickly, there are practical routes to sell your vehicle fast while addressing the outstanding loan. Sell Your Damaged Car offers a straightforward service that buys cars in any condition and helps resolve the finance balance, paperwork and collection nationwide.
Practical note: outstanding finance does not always prevent a sale. The sale proceeds are typically used to settle the finance account before ownership transfers can proceed.
| Scenario | Typical next step |
|---|---|
| Loan balance less than sale value | Lender paid from sale proceeds; seller receives residual cash or reduced settlement arrangement. |
| Loan balance greater than sale value (shortfall) | Seller negotiates shortfall settlement with lender or arranges top-up payment. |
| Vehicle is finance-secured and non-running | We coordinate with the finance house to settle or transfer title as part of the collection process. |
If you want a quick explanation of how our process works and what to expect, see our About / How it works page for full details. For non-running vehicles or accident-damaged cars specifically, we also provide tailored guidance on the Sell Non-Running Car and Sell Damaged Cars pages.
Timeline depends on the lender’s settlement requirements and documentation, but from our experience we regularly complete valuation, settlement coordination and collection within 3-10 working days where paperwork is in order. Times can vary if a lender needs additional verification or if there is a shortfall that requires negotiation.
We aim to make the sale fast and low-effort. Key steps we follow when finance is outstanding:
| Factor | Typical impact |
|---|---|
| Vehicle condition (accident, mechanical) | Directly affects valuation and lender settlement amount. |
| Outstanding loan amount | Determines whether sale fully settles the account or creates a shortfall. |
| Documentation completeness | Fast settlement needs clear ID, proof of bank details and finance contact information. |
Once we collect the vehicle, we confirm settlement with the lender and complete the necessary transfer or deregistration steps on your behalf. For financed vehicles the lender may require confirmation that their lien is discharged before a full transfer can be completed. We coordinate directly with lenders to keep the process efficient and transparent.
Ready to start? Upload vehicle details now and Get your free quote. If you prefer details on the overall service flow, our About / How it works page explains each step.
Seasoned automotive specialists dedicated to helping you turn your damaged or non-running vehicle into cash fast and hassle-free.
Disclaimer: This content is for educational purposes only. Product availability, pricing, and specifications are subject to change. Always verify current details on the retailer's website before making a purchase. We may earn affiliate commissions from qualifying purchases.
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