what I meant to say is that your finance is secured on the car, so to make you car hpi clear to sell it, you will either need to get a loan to pay the outstanding finance or come to an agreement with the buyer to pay for the finance and give you whats left. techically you do not own the car till you have paid the finance company in full - this is in your Terms & cond. you may also incurr a buying fee of £65 depending on your policy. Look at your finance agreement and there is usually a box that says you can return the car to them at anytime and they will sell it and a figure of what you can expect to get back (only might get something if you put a deposit down).