FAQs

Got Questions? We’ve got answers. Whether you’re buying your first car or trading in your old car, we’re here to make it simple. Explore our FAQs for quick, honest answers about Carsa’s process, prep, finance, handover, and more.

What is my instant valuation based on?

Your instant valuation assumes your vehicle is in good condition with no mechanical issues has a full service history, no modifications and no missing items (keys manuals parcel shelf etc.). Your final valuation may be higher or lower depending on what we find at inspection.

What if I only have one key for my vehicle?

We can still purchase your vehicle with one key though having both keys and any spare fobs does help maximize your valuation. Please bring all keys you have available to your appointment.

Can I sell a vehicle with outstanding parking fines or penalties?

Any outstanding fines or penalties remain the responsibility of the registered keeper. We recommend settling these before your appointment to avoid any complications with the DVLA during the ownership transfer.

Will I receive confirmation of the sale?

Yes you will receive an email receipt once the sale is complete including details of the transaction and payment as well as our Terms and Conditions.

What is the difference between an instant and guaranteed valuation?

An instant valuation gives you an estimated price based on the information you provide online and some presumptions we have made about your vehicle. A guaranteed valuation is our detailed offer after you have shared additional information with us and this is the amount we commit to paying subject to the vehicle matching the details provided at your handover inspection.

What do I need to bring to my appointment?

Please bring your vehicle, your photo card driving licence and your V5C logbook. Please bring all service records you have for your vehicle. We would also recommend giving your car a clean beforehand as it helps us assess the condition more accurately.

Do I need to inform my insurance company before the handover?

You should maintain insurance on your vehicle until the sale is complete. After your handover appointment contact your insurance company to cancel your policy. You may be entitled to a refund for any remaining months of coverage.

Can I reschedule or cancel my appointment?

Yes please call us as soon as possible and we will find you a new slot.

How do I tax my car when I collect it?

You'll need to tax the car before you can legally drive it away. Don't worry – we make this easy. We record the 12-digit document reference number from the V5C in our system, and when you collect your car, our team will help you tax it on-site using the DVLA website. It only takes a couple of minutes. You won't usually receive the green new keeper slip (V5C/2) at handover, but you don't need it – we have the reference number ready for you.

What’s the difference between PCP & HP finance?

PCP usually offers lower monthly payments and greater flexibility if you like to change cars every few years. However, you’ll need to pay a balloon payment if you want to own the car outright. HP has higher monthly payments, but once the final payment is made, the car is automatically yours.

What is Personal Contract Purchase (PCP) finance?

PCP is a more flexible type of finance where part of the cost is deferred into a final “balloon payment” (known as the Guaranteed Future Value). At the end of the agreement, you can choose to:

Pay the balloon payment to own the car.
Hand the car back, as long as it’s in good condition and within mileage limits.
Trade it in for another car, using any value left over as your deposit.

To see how this looks in practice, find a car on our website and use the finance calculator — you can adjust the deposit, term, and mileage to see how payments change.

If you want to see if you might be eligible for PCP, you can check your eligibility with our finance eligibility checker.

What is Hire Purchase (HP) finance?

HP is a simple and straightforward type of finance. You pay a deposit, then fixed monthly instalments over an agreed term. Once all payments (and any small option-to-purchase fee) have been made, the car is yours. HP is a good option if you know you want to own the car outright at the end of the agreement.

If you want to see if you might be eligible for HP, you can check your eligibility with our finance eligibility checker.

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Can I get two cars on finance?

Yes, some customers are able to take finance on more than one vehicle, as long as their credit profile and affordability are strong enough. Lenders may ask for extra documents or a clear reason for needing a second car.

Can I get finance with no UK credit history?

Yes, some specialist lenders will consider customers with no UK credit history, although they may ask for additional documents. These can include proof of your right to remain in the UK, two proofs of address, and an international driving licence.

If you’re unsure, check your eligibility with our finance tool — it’s a simple way to see whether you’re likely to be eligible for car finance

Can I get finance if I have negative equity or an existing car on finance?

It can be possible. Some lenders will work with customers who have existing finance or a small amount of negative equity (where the car is worth less than the outstanding balance). For example, if you part-exchange your car, the existing finance can sometimes be settled as part of the new deal.

To understand how much negative equity you have, you can get a part exchange quote on our website by following this link or by calling us up and speaking to an agent.

Can I get car finance without a balloon payment?

Yes. If you’d prefer not to have a balloon (final) payment, a Hire Purchase (HP) agreement might be more suitable. With HP, you make fixed monthly payments until the balance is cleared, and once the final payment is made (plus any small option-to-purchase fee), the car is yours outright.