We'll Buy Your Car for Cash — Even If You Still Owe On It
Want to sell your car without the back-and-forth of strangers, lowball messages, and no-shows? Bring it to FC Motors. We make a fair, no-obligation cash offer on your vehicle — whether or not you buy one from us — and if there's still a loan on it, we pay your lender directly and handle the paperwork.
- No obligation to buy
- Loan payoff handled
- Family-owned, no pressure
A real offer, not a runaround
Selling a car shouldn't be the hard part
Most people dread selling a car more than buying one. Listing it, fielding texts at all hours, meeting strangers in parking lots, and then explaining over and over that yes, there's still a loan on it — it's a lot of work for an uncertain result.
We make it simple. FC Motors buys cars, trucks, and SUVs outright, right here on Candia Road. You don't have to trade it against another vehicle, and you don't have to buy anything from us. If the car still has a loan, that's normal — we deal with lenders every week and take the payoff off your plate.
You get a fair number based on the actual vehicle, an honest explanation of how we got there, and — most of the time — you can walk out paid the same day.
Yes — even with a loan
Still making payments? We've got it.
An outstanding loan is the number-one reason people think they're stuck with a car they no longer want. You're not. Here's how the two most common situations actually work.
Your car is worth more than you owe
This is the happy case, and it's common. We pay your lender the exact payoff amount directly, clear the lien, and hand you the difference in cash. You walk away with money in your pocket and the loan closed out.
Example: if your payoff is $9,000 and we value the car at $12,500, you keep $3,500.
You owe more than it's worth
It's called being "upside down," and after a few years of payments it happens to a lot of people — it isn't a dead end. We'll give you a straight number and talk through the gap. Sometimes it's smaller than you fear.
If you're moving into another vehicle, that negative equity can often be worked into the next deal. Our trade-in page walks through that path in detail.
Start to finish
How selling us your car works
Three steps, usually wrapped up in a single visit.
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1
Tell us about your car
Call Matt at 603-965-2870 or stop by with the vehicle. Have the year, mileage, and a rough idea of its condition handy — and let us know if there's a loan on it.
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2
We appraise it on the spot
Our on-site service shop gives the car a quick once-over so the offer is based on the real vehicle. We explain how we reached the number — no mystery, no pressure.
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3
Get paid — payoff and all
Agree on the price and we handle the title and paperwork. If there's a loan, we pay your lender directly. Most sellers are done and paid the same day.
Make it quick
What to bring
Have these on hand and we can usually appraise the car and write your offer in one visit.
- Title or loan detailsYour title if you have it — or your lender's name and your account info if there's still a loan.
- Vehicle registrationCurrent registration for the car you're selling.
- Valid photo IDA driver's license or state ID for everyone on the title.
- All keys and fobsEvery key and remote that came with the car, if you have them.
- Service recordsAny maintenance history helps us value the car accurately — and often in your favor.
- Payoff amountA recent payoff quote from your lender speeds things up, though we can request it too.
Why sell to us
A local name, not an 800 number
Family-owned
A real Manchester dealership you can drive to, not a faceless web buyer.
On-site appraisal
Our own service shop checks the car, so the number reflects reality.
Payoff & paperwork
We deal with your lender and the title work so you don't have to.
Same-day, most days
Agree on a price and you can usually leave paid that afternoon.
No pressure
Take the offer or leave it. No catch, and no hard sell to buy from us.
Buying your next car from us?
If you're selling because you're ready for something else, you may come out ahead by applying your car's value straight to your next one as a trade. Our trade-in guide and the article on getting a fair trade-in price in Manchester lay out exactly how that works — including when there's still a loan to settle.
Good to know
Frequently asked questions
Do I have to buy a car from you to sell you mine?
No. We'll make a cash offer whether or not you're buying anything from us. Lots of people sell us a car they no longer need and drive off in the one they already own. No obligation, no pressure.
Will you buy my car if I still owe money on it?
Yes. If there's a loan against the car, we pay your lender directly for the payoff and handle the lien release and title work. If the car is worth more than you owe, the difference is yours in cash. We do this every week — an outstanding loan is normal, not a problem.
What if I owe more than my car is worth?
That's being "upside down," and it's more common than people think. We'll give you an honest number and walk through your options — sometimes the gap is smaller than you expect, and if you're getting another vehicle it can often be rolled into the new deal. We'll tell you straight either way.
How do you decide what to offer for my car?
We look at your vehicle's year, mileage, condition, service history, and what the current market is paying for that exact car. Our on-site service shop appraises it so the number is based on the real vehicle — and we'll explain how we got there.
How fast can I get paid?
Often the same day. Once we agree on a price and confirm the title (or the loan payoff with your lender), we can usually finish the paperwork and pay you on the spot. When a lender payoff is involved, funds can take a little longer to clear on their end, and we'll tell you exactly what to expect.
What do I need to bring to sell my car?
Your title if you have it (or your lender and account info if there's still a loan), your registration, a valid photo ID, all keys and fobs, and any service records. That's enough for us to appraise the car and write the offer the same day.
Ready for your cash offer?
Call Matt at 603-965-2870, book a time that works for you, or just stop by 1086 Candia Rd in Manchester. Bring the car and we'll take it from there — loan, paperwork, and all.