Selling your car privately using OP's hire purchase
Sell your car safely and smoothly to a private buyer – without having to worry about paperwork.Wider group of buyers
The hire purchase option makes your car attractive to a wider group of buyers.
Safe and smooth process
Autoraha is our reliable cooperation partner in car deals between private persons. Autoraha handles agreement preparation, registration and money transfers for you and the buyer.
Works for any bank's customers – also for a hire purchase car
The buyer can apply for financing whatever their bank is. It is also possible to sell a hire purchase car because Autoraha ensures a smooth change of ownership.
OP's hire purchase can also be used in transactions between private persons
Car deals between private persons can be carried out using OP's hire purchase through our cooperation partner Autoraha (Suomen Autorahasto Oy). Selling a car to a private buyer through Autoraha is a safe and convenient way to conclude a deal. The hire purchase option widens the group of potential buyers and enables the car to be sold at market price. A hire purchase car is usually no older than 14 years.
The process begins when your sales advert attracts the buyer's attention, and the buyer applies for a preliminary financing decision in OP's service for car buyers (Auton ostajan apuri). After this, Autoraha checks the car details and assesses whether the transaction can be concluded. For hire purchase to be used, Autoraha must approve the car and agree to act as the intermediary.
Autoraha will buy the car from you and then sell it to the buyer using hire purchase. They will handle the contracts, registration and money transfers for you, so you don't need to worry about practicalities.
Autoraha will pay the sale price to you as a lump sum. If the car is financed and owned by a finance company, Autoraha will first pay off the remaining financing and transfer the rest to you.
How to sell your car with hire purchase to a private buyer
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Publish your car advert
Publish your advert on Nettiauto, for example. You can include the standard description of OP's hire purchase so the buyer knows about the financing option.
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Perform the required measures before the transaction
You will receive notification that the buyer wants to buy your car using hire purchase through Autoraha. If the method suits you, authenticate your car and identity in accordance with the instructions that you have received from Autoraha.
It's a good idea to agree a test drive with the buyer before concluding the transaction.
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Conclude the transaction and receive the payment
Autoraha will prepare the contract and buy the car from you. The sale price will be paid to you as a lump sum, less any down payment. If the car is financed, Autoraha will first pay off the remaining financing and transfer the rest to you.