Finance
Car loan payout letters: how to get and read one before you sell
How to get a car loan payout letter, read every line, check for an early exit fee and work out your equity before you sell, with a worked example.
Selling a car with finance owing
Payout figures, balloon payments, novated leases and negative equity, explained in plain English.
Finance guides
Finance
Balloon payment due? Pay it, refinance it or sell the car
Car loan balloon due soon? Compare paying it out, refinancing it or selling the car, with worked numbers, a timeline and questions to ask your lender.
Finance
Guaranteed future value finance: return, refinance or sell?
GFV car loan ending? Compare handing the car back, refinancing and selling, what the return inspection checks, and a worked example with sample numbers.
Finance
Can you sell a car halfway through a novated or operating lease?
Changing jobs or moving overseas partway through a novated lease? How to check who owns the car, get a payout figure and sell in the right order.
Finance
Novated lease residual value: the ATO minimums and your options
How a novated lease residual is set, the ATO minimum for each lease term, and how to weigh paying, refinancing or selling the car when the residual falls due.
Finance
Finance showing on the PPSR? What it means and when it clears
Finance showing on your car's PPSR record? What a security interest means when you sell, why buyers hesitate, and how it clears once the loan is paid out.
Finance
Can a buyer take over my car loan?
Why a car loan generally can't pass to the person buying your car, the risks of informal repayment deals, and how the loan gets paid out when the car sells.
Finance
Behind on car repayments? Your options before repossession
Behind on your car loan? How repossession works, why you can still owe money after it, where to find free help, and when selling before repossession can help.
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