Just to further reiterate what others are saying and add some detail, yes selling on HP is pretty normal these days, you just need to make sure you're up front about the fact it has finance on it, and that you have a plan in place to deal with that with a buyer. Not disclosing up front is not an option because vehicle checks will come back as showing uncleared finance, and it will reduce your potential pool of buyers, but someone will be fine with it.
Most finance companies will provide near instant confirmation to you and the new buyer that the finance is clear - good practice is to do it all on the phone on speaker with them present. Sort both payments, clear the payment(s)/transfers in advance with your bank, and don't move to the next step until things are cleared. I've done it in the past, it's a little more stressful, but perfectly doable, and as Mr H says - get a finance settlement in advance of the sale, and share it with the new buyer on the day of sale or just before so they can ensure everything stacks up.
With regards the value of your vehicle - this isn't meant as a slight, so don't take it as such, but where is your expectation that this car is worth more than 30k coming from? Did you read about the inflated values months ago and think that would last, or that the market was going to stay that way indefinitely? You bought a depreciating asset, and the market for vehicles has been through an unprecedented period.
Most finance companies will provide near instant confirmation to you and the new buyer that the finance is clear - good practice is to do it all on the phone on speaker with them present. Sort both payments, clear the payment(s)/transfers in advance with your bank, and don't move to the next step until things are cleared. I've done it in the past, it's a little more stressful, but perfectly doable, and as Mr H says - get a finance settlement in advance of the sale, and share it with the new buyer on the day of sale or just before so they can ensure everything stacks up.
With regards the value of your vehicle - this isn't meant as a slight, so don't take it as such, but where is your expectation that this car is worth more than 30k coming from? Did you read about the inflated values months ago and think that would last, or that the market was going to stay that way indefinitely? You bought a depreciating asset, and the market for vehicles has been through an unprecedented period.