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Selling a water-damaged car with outstanding finance? We help get lender settlement, handle paperwork and provide free towing and fast payment across South Africa.
We liaise with finance providers to obtain settlement figures and coordinate payment.
We collect water-damaged cars across SA, including Johannesburg, Cape Town and Durban.
We handle deregistration and pay you quickly after collection and finance settlement.
If your vehicle has flood or water damage and you still owe money on it, selling can feel complicated. Sell Your Damaged Car buys water-damaged, written-off and non-running vehicles across South Africa and works with lenders to settle outstanding finance where possible. We provide free towing, manage the paperwork (including deregistration) and offer a straightforward online process for owners in Johannesburg, Cape Town, Durban and surrounding areas.
When you want to sell-water-damaged-car-with-outstanding-finance, the main steps are identification of the settlement figure, lender communication and secure transfer of proceeds. We can liaise with the registered finance provider to obtain a settlement figure, and where the lender requires it, we can arrange payment from sale proceeds directly to the lender before final transfer. This reduces admin for you and helps make the sale compliant with finance agreements.
We buy flood-affected and water-damaged cars of any make or condition - non-runners, accident-damaged, fire-damaged or written-off. Our team assesses condition from your online submission and photos, then provides a transparent cash offer.
| Damage type | Typical impact on offers |
|---|---|
| Severe water/flood damage (engine/electrics affected) | High negative impact - affects functionality and salvageability |
| Partial water exposure (interior only) | Moderate impact - may be repairable but reduces offers |
| Surface corrosion with no mechanical failure | Lower impact - better resale/salvage value |
For more detail on selling non-running vehicles, including those affected by water, see our Sell Non-Running Car page.
Most lenders require a settlement figure before ownership can transfer. When you choose to sell, we can contact the lender on your behalf (with your permission) to obtain the settlement amount. Sale proceeds are then used to settle the outstanding balance and any remaining balance is paid to you. Where lenders require direct settlement, we coordinate payment to ensure compliance with the finance agreement.
| Repair cost vs value retained (example) | Typical implication |
|---|---|
| Repair estimate R30,000 | If market value after repair is less than repair cost, selling-as-is is often better |
| Minor interior work R5,000 | Small repairs may increase offers, but factor in downtime and towing |
If you want to proceed, you can Get your free quote or upload vehicle details now. After you accept an offer, simply confirm collection and we’ll arrange free towing and handle the lender settlement so you can get paid fast.
Example: A Cape Town owner has a water-damaged hatchback with R45,000 outstanding. After we obtain the lender settlement figure and confirm salvage value, we present an offer. If accepted, proceeds are used to settle the loan and any surplus paid to the owner. Figures are illustrative; actual settlement amounts and remaining balances vary by lender and vehicle market value.
For details on how we work and the steps we take to protect sellers, see our About / How it works page. For other vehicle types or non-running cars, visit our Sell Non-Running Car and Sell Damaged Cars pages for guidance.
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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I was very sceptical about selling my vehicle online especially because of the fact that it was a non-running vehicle but Cleavon Schubart assisted me...
A seamless and very professional service, communication was excellent, the process very quick and efficient, if it wasn’t for a delay from my side in ...
Confirmation Message *Business Name:* Sell Your Damaged Car *Review:* The consultant was as responsive as could be and very helpful, even helping v...