How to Check if a Car Is on Finance in the UK
Buying a used car without checking for outstanding finance is one of the most common — and costly — mistakes buyers make. Learn how to check and what different finance results mean.
If you're shopping for a used car in the UK, you've probably heard of HPI Check. It's been the go-to name for vehicle history checks since 1938, and for good reason. But here's the thing: HPI isn't your only option anymore.
If you're shopping for a used car in the UK, you've probably heard of HPI Check. It's been the go-to name for vehicle history checks since 1938, and for good reason. But here's the thing: HPI isn't your only option anymore. The market has evolved significantly, and several excellent alternatives now offer comparable—and sometimes superior—value and features.
I've spent time researching the current landscape of UK vehicle history check providers, and I'm here to share what I've discovered. Whether you're concerned about pricing, report clarity, or the depth of information provided, there's likely a service that fits your needs better than the industry veteran.
Don't get me wrong—HPI Check remains a solid choice with its £30,000 data guarantee and comprehensive checks. But the vehicle data industry has matured, and newer providers have identified areas where they can do better. Some focus on clearer presentation, others on affordability, and many offer the same core data from shared sources like the DVLA, police databases, and finance registers.
The reality is that most reputable car history check services access similar data pools. What differentiates them is pricing structure, user experience, additional features, and how clearly they present critical information. Let's explore the standout alternatives.
If you value straightforward pricing and comprehensive reporting without the upsells, Carpeep has built its reputation on transparency and simplicity. Having served over 50,000 UK drivers, they've positioned themselves as a refreshingly honest alternative in a market that often hides fees and additional charges.
What sets Carpeep apart is their single-price, all-inclusive approach. You get everything you need in one report: outstanding finance checks, insurance write-off history, stolen vehicle status, mileage discrepancy alerts, MOT and tax data, previous ownership records, and detailed vehicle specifications. No tiered packages, no hidden extras—just one comprehensive report delivered instantly.
Their reports are designed for clarity, with critical information highlighted to prevent misinterpretation. This makes it easy to spot potential issues and address them with sellers promptly. Payments are processed securely through Stripe, and the entire experience is built around making vehicle history checks as accessible and trustworthy as possible.
Pricing: Single transparent price for comprehensive reports
Best for: Buyers who want complete transparency and all essential checks in one straightforward report
The RAC brings its trusted automotive brand to vehicle history checking, and they've powered their reports with HPI data while adding their own unique touches. Their comprehensive checks cover all the essentials: outstanding finance, theft records, insurance write-offs, and mileage discrepancies.
What sets RAC apart is their inclusion of practical extras like common breakdown causes for specific models and MOT fault trends. If you value brand recognition and want the reliability of HPI data with added context about potential mechanical issues, RAC delivers excellent value.
Pricing: Competitive with HPI, often with special offers
Best for: Buyers who want established brand trust plus practical vehicle insights
If value matters to you, Total Car Check has built a strong reputation as one of the UK's most affordable options. Starting from just £1.99 for a basic check (when purchasing multiples), they've earned over 75,000 ratings with a 4.9-star average satisfaction score.
Their Gold Check, priced at £9.99 for a single report or even less in bundles, includes comprehensive coverage backed by a £30,000 guarantee. The free version offers stolen vehicle status, full MOT history, and road tax information—a generous starting point before committing to a paid report.
Pricing: From £1.99 (multi-buy) to £9.99 (single Gold Check)
Best for: Budget-conscious buyers who still want comprehensive protection
With strong coverage across both the UK and Ireland, MotorCheck stands out for its multi-source data intelligence and £30,000 guarantee. They've positioned themselves as a comprehensive solution that aggregates information from numerous databases to provide thorough reports.
Their free basic check gives you DVLA registration data and MOT history, while their paid reports (£9.99 for a single check, with bundle discounts available) cover finance agreements, write-off history, stolen status, and plate changes.
Pricing: £9.99 single check; £14.99 for three checks (£4.99 each)
Best for: Buyers seeking multi-source verification and UK/Ireland coverage
Known for user-friendly mobile apps and competitive bundle pricing, MyCarCheck offers detailed reports at £8.49 per comprehensive check. Their strength lies in their multi-vehicle packages: five checks for £30, or twelve for £50—ideal if you're viewing multiple cars or helping family members with their purchases.
Their reports include finance checks, MOT history, accident records, and theft status, all presented in an accessible format that works well on smartphones.
Pricing: £8.49 single check; excellent multi-check bundles available
Best for: Active car shoppers viewing multiple vehicles
If you're tech-savvy and appreciate innovation, CarVertical brings something unique to the table: blockchain technology for data verification. This approach provides transparent, tamper-proof records of a vehicle's history.
While they tend to be positioned at a higher price point, CarVertical offers particularly detailed information about accident history and damage, drawing from international databases that can be valuable for imported vehicles.
Pricing: Premium pricing, varies by report depth
Best for: Buyers of imported or higher-value vehicles who want cutting-edge verification
Regardless of which provider you choose, make sure your car history check covers these essential areas:
Outstanding Finance: This confirms whether the vehicle has an active loan secured against it. Buying a car with outstanding finance can leave you legally vulnerable.
Insurance Write-Off Status: Categories A, B, S (structural), and N (non-structural) indicate whether the car has been declared a total loss. Some categories mean the vehicle shouldn't be on the road at all.
Stolen Vehicle Check: Cross-references police databases to ensure the car hasn't been reported stolen.
Mileage Verification: Identifies discrepancies in recorded mileage across MOT tests and other records, protecting you from "clocking" fraud.
MOT History: Shows past test results, failures, and advisories—giving you insight into how well the car has been maintained.
Previous Keepers: Understanding how many owners a vehicle has had provides context about its history.
Before spending money on a comprehensive report, take advantage of free resources. The government's own MOT history checker (accessible via GOV.UK) provides official MOT records and tax status at no cost. Services like CarVeto, VehicleScore, and the free tiers of Total Car Check and Full Car Checks offer basic DVLA data and stolen vehicle status checks.
These free checks are excellent for initial screening, but they typically won't reveal outstanding finance—arguably the most critical piece of information when buying a used vehicle. Save the paid, comprehensive report for cars you're seriously considering.
The "best" alternative to HPI Check depends entirely on your specific situation. Are you buying a single vehicle and want the most straightforward, comprehensive report? Consider providers like Carpeep or MotorCheck. Shopping around and viewing multiple cars? MyCarCheck's bundle pricing makes sense. Need the most budget-friendly option? Total Car Check delivers impressive value.
What matters most is that you conduct a thorough check before purchasing any used vehicle. The relatively small cost of a comprehensive vehicle history report—typically around £15—pales in comparison to discovering outstanding finance, hidden accident damage, or clocked mileage after you've handed over thousands of pounds.
Every year, UK buyers lose money to preventable mistakes that a simple vehicle history check would have revealed. Whether you choose HPI Check, one of these alternatives, or another reputable provider, making this investment is one of the smartest decisions you'll make in the used car buying process.
Take your time, compare a few services if you're unsure, and always verify the vehicle's history before committing to purchase. Your future self will thank you.
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