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Part-Ex vs Private Sale Calculator

Today is Sunday 11th January 2026

Part-Ex vs Private Sale

Is the convenience of a dealership worth the lower price?

Disclaimer: Results are estimates based on market averages. ChangeCar.com accepts no responsibility for financial decisions made using this tool.

The "Convenience Gap"
£0

Extra cash potential from a private sale.

Our Recommendation

Is Convenience Worth the Money?

Deciding how to sell your car in the UK often comes down to a trade-off between **time** and **profit**. While a private sale almost always results in a higher price, the "Convenience Gap" offered by a dealer part-exchange can often be worth the lower valuation.

The True Cost of a Private Sale

When you see a "Potential Hassle Profit" of £1,000, remember that you still have to pay for the privilege of selling it yourself:

  • Advertising Fees: Major UK platforms like Auto Trader or eBay can charge significant listing fees.
  • Preparation Costs: A dealer will take a car "as is," but a private buyer will expect a professional valet (approx. £50–£100) and potentially new tyres or a fresh MOT.
  • The Time Tax: Every viewing takes at least an hour of your time. If it takes five viewings to sell, that’s a full day of your weekend gone.

Why Part-Exchange is the "Safe" Bet

Part-exchanging your car at a dealership offers several legal and practical safety nets that a private sale doesn't:

Instant Finance Settlement

Dealers can settle your existing PCP or HP agreement immediately, which is difficult in a private sale.

No Liability

Once the dealer takes the keys, the car is their responsibility. You won't have a buyer knocking on your door if a turbo fails a week later.

Seamless Transition

You drive your old car to the dealer and drive your new one home. No gap where you're left without a vehicle.

Pro Tip: The "Floor Price" Strategy

Before you use this calculator, get an instant valuation from an online car buying service. This gives you a "guaranteed floor price." If the dealer's part-ex offer is lower than that, you know you have room to negotiate or can simply sell to the buying service instead.