While the finance process is largely the same, private sales involve a few extra steps — like verifying seller ownership, checking the vehicle’s PPSR status, and securing payout arrangements. Unlike dealerships, private sellers don’t offer these services. That’s where we come in. We manage all the compliance paperwork, communicate with the seller, and make sure the deal is structured safely so your experience is just as smooth.

Yes. Many lenders offer finance for vehicles purchased through private sales.

Borrowers can finance cars purchased from individuals, including vehicles listed on Facebook Marketplace, Gumtree or private classified listings.

Yes, provided the vehicle and seller meet lender requirements.

Before releasing funds, lenders usually verify vehicle ownership and perform checks to ensure the car is not stolen, written off or still under finance.

In most cases, the lender transfers the funds directly to the seller once the loan is approved.

This ensures the transaction is secure and that ownership transfer documentation is completed correctly.

Lenders typically conduct several checks before releasing loan funds.

These may include:

• verifying the seller’s identity
• confirming vehicle ownership
• conducting a PPSR search
• confirming the vehicle identification number (VIN)

These checks help protect both the buyer and lender.

If a vehicle still has finance attached, the existing loan must usually be paid out before ownership can transfer.

The payout amount is often settled directly with the existing lender before the remaining funds are paid to the seller.