When selling the car, the outstanding debt needs to be paid at completion of the sale. The buyer also has to send us a copy of the deed of sale.
The buyer must pay the outstanding debt so that we can send them the digital certificate needed for registration. The payment can be made to the account number stated in the usual financing invoice, but without the reference. In the message field, enter the registration number of the vehicle and the word "loppuvelka" ("outstanding debt").
Please remember to verify the exact outstanding balance. If you have OP online service user identifiers, you can see the outstanding debt on your vehicle by logging into the op.fi service. Make a query on the outstanding debt
If you do not have OP online service user identifiers, please check the outstanding debt by calling our customer service. This information is only disclosed to the borrower.
If the vehicle is being sold to a car dealership, they usually take care of all the related paperwork.
It is recommended that both the buyer and the seller receive their own copies of the deed of sale. A copy of the deed of sale (and the receipt of the payment, with reference number) should be scanned and sent by email to vare@op.fi. If the seller provides the documents, the buyer's personal identity code and email address must be included in the message or the deed of sale so that we can inform them about the transfer of the vehicle.
If the borrower pays the outstanding debt, they can use the same details they used to pay the other bills. Before selling the vehicle, it must be registered under the seller's name.
If needed, you can check the exact outstanding balance and payment instructions by contacting our customer service at +358 (0)10 252 5843 (Mon–Fri 9–16.30).