If you have a car on PCP or HP Finance, you don't legally own the car until
you've made all the payments. This means you can't sell the car without
first settling the finance. If you do sell the car, you must use the
proceeds to pay off the outstanding finance balance. Any money left over is
yours to keep. If the car sells for less than the finance balance, you'll
need to make up the difference. With leasing, you never own the car, so you
can't sell it at all.