Sell your car – even with finance owing.
Got a loan on the vehicle? We settle finance lenders, discharge PPSRs, and buy vehicles direct. On-site inspection, firm cash offer, and coordinated payout – so you can move on without the admin.
Whangarei • Auckland • Hamilton • Tauranga – start with rego, kms, condition; we’ll tee up a visit that works for you.
The Carma edge when finance’s on the car
We settle your finance
We liaise with your lender, pay the balance, and arrange PPSR discharge.
Clear title, clean handover
Once finance is cleared, we complete ownership transfer – no loose ends.
On-site inspection & firm offer
We come to you, walk through the numbers, and issue a time-bound cash offer.
Fast payment & collection
Bank transfer arranged promptly and pickup scheduled to suit.
Paperwork handled
Sale docs, lender letters, and confirmations supplied for your records.
Settle the loan, sell the car: how it works
1
Request a settlement valuation
Share rego, make/model, year, kms, condition, and any loan details.
2
We come to you
Home or work. We run a quick on-site check and confirm details needed to settle the loan.
3
Firm offer & acceptance
We talk you through the pricing and show the net amount after loan payout. You get a firm, time-bound cash offer – no pressure.
4
Finance payout, paperwork & pickup
We pay your lender, arrange the PPSR discharge, finalise ownership transfer, and schedule collection. You receive confirmations and a sale summary for your records.
FAQ’s
Start online – Share your rego, kms and a few details.
Get an indicative price – We send a guide number based on what you submit.
On-site appraisal – A buyer meets you, checks the car and talks you through the numbers.
Done – Accept the offer and we handle paperwork, payment and collection.
We combine live market data with the specifics of your car: year, mileage, condition, service history, features,
location/transport, and likely reconditioning costs. The aim is a price that’s fair and firm after inspection.
A Carma buyer will contact you to confirm details and book the visit. We’ll run through ownership, any finance
owing, service history, spare keys, known damage/issues, your timing, and the best place to meet.
• Photos of key angles and the odometer
• Exterior/interior walk-around
• Basic engine/road check or short drive (where appropriate)
• Price confirmation → final offer
• Paperwork signed, payment triggered, collection scheduled
Prices can move up or down once we see the car in person—based on actual condition, missing items (e.g., spare key), tyres, mechanical findings, or market movement since the estimate.
Not every time. We may decline if:
The finance settlement is higher than our offer and the shortfall can’t be covered
Ownership/PPSR/ID checks don’t pass, or paperwork isn’t in order
The vehicle sits outside our buy-box (e.g., extreme recon risk)
Note: You must be the legal owner or have written authority to sell. Agreed licence/RUC adjustments may apply.
• NZ photo ID (driver licence or passport)
• Recent proof of address
• Bank account verification (e.g., deposit slip/letter)
• Registration details
• Payout letter if there’s finance owing
• Service history and spare keys (if available)
Once you accept the final offer, we pay by bank transfer. Most payments land the same day (subject to bank
processing). If collection is later, we can agree deposit/balance timing.
During business hours we aim to respond within 60 minutes. After hours, expect contact by 9am next business
day.
No pre-inspection required. We buy the car as-is, subject to our on-site checks and standard verifications.