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Private Sale Car Finance

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Private Sale Car Finance

Can I finance a car from a private seller?

One of our most frequently asked questions at Oracle Finance is “Can I finance a car from a private seller?” And the answer is – yes, you can!

What is a private car sale?

A private car sale is where a customer is purchasing a car from an individual as opposed to from a franchise or independent dealer, or through an auction. This is likely ‘sold as seen’ and therefore the buyer wouldn’t usually have the right to return the car, nor would they benefit from a dealer warranty.

Many finance brokers currently don’t offer finance for a private car sale due to the risks involved versus the guarantees in place when buying from a dealership. However, here at Oracle Car Finance, we have:

  • Over 18 years’ experience as specialists in funding prestige, sports & classic cars
  • Flexible and tailored packages through a large panel of lenders, offering highly competitive rates
  • A choice of funding solutions, including PCP and Hire Purchase, as well as refinancing and releasing equity
  • A dedicated Account Manager, so you speak to the same person, every time



"Great experience working with Oracle, especially Holly Webber who was diligent, efficient and honest about the whole process. There are a lot of pitfalls buying directly from dealers and private individuals (an Audi salesperson simply gave false financing information), all of which Holly was on top of to advise."

Dumebi Dumaka, Trustpilot Review - September 2023

"Great customer service, attentive and kept myself and the private seller up to date each step of the way. Very easy experience and I would use Oracle Finance again."

Tom, Trustpilot Review - June 2023
Peace of mind using Oracle Car Finance

Funding a private car purchase?

When funding a private car sale through Oracle you can benefit from several additional checks and services to give you the ultimate in peace of mind when buying a car privately.

Vehicle History
We will run a complete vehicle history check from HPI as part of our due diligence on the vehicle being purchased; this will include a check for outstanding finance on the car you’re buying. If we find there is finance outstanding, we will arrange to settle it off as part of the process if needs be.

Service History
We can help you arrange a technical inspection of the vehicle you’re looking to purchase by recommending a reliable third-party to carry out an inspection on your behalf.

We will request proof of ownership from the person selling the car; to ensure that they have legal title to the car they are selling. If the seller is requesting a deposit to secure your purchase whilst you arrange funding, we can act as an intermediary to hold the deposit on behalf of both yourself and the seller – giving you both reassurance that your money is in safe hands while the sale is completed. We will provide you with an invoice as your proof of purchase for future records.


One of our most frequently asked questions at Oracle Finance is “Can I finance a car from a private seller?” And the answer is – yes, it is possible to finance a car bought from a finance seller!
Private sale car finance works similarly to traditional auto financing, where a lender provides the funds needed to purchase a vehicle from a private seller. Borrowers then repay the loan with fixed monthly payments over an agreed-upon period with interest.
Yes, some lenders offer pre-approval for private sale car finance, allowing buyers to know how much they can borrow before entering negotiations with a private seller.
Interest rates for private sale car finance may vary, but they could be influenced by factors such as creditworthiness, loan term, and the lender's policies. Rates may differ from those offered by dealerships.
Private sale car finance can typically be used for various types of vehicles, including cars, trucks, motorcycles, and recreational vehicles, depending on the lender's policies.
Risks may include the need for a thorough vehicle inspection, potential issues with the title, and ensuring that the seller has the legal right to sell the car. Conducting due diligence is crucial. Here at Oracle Car Finance, we carry out these checks free of charge to mitigate risk to our customers wherever possible.
Requirements for private sale car finance may include a vehicle inspection, a clear title, and documentation proving ownership. Lenders may also have credit score and income criteria.
Private sale car finance is commonly used for used vehicles, as private sellers often have pre-owned cars. However, some lenders may offer financing for new vehicles as well.
Yes, refinancing options may be available for a car purchased from a private seller. Borrowers can explore refinancing to adjust terms or possibly obtain more competitive interest rates than your existing agreement.
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Current representative APR

9.9% APR

Oracle Finance is a Credit Broker and not a Lender.

This means that we deal with a wide range of financial institutions to give our customers a greater choice of competitively priced options. For your protection, Oracle Finance is authorised and regulated by the Financial Conduct Authority for the sale of consumer credit.  Oracle Finance is a trading name of Oracle Asset Finance Limited.


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Private Sale Car Finance