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What to do about selling your car When You Have Still a Loan Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able make financial decisions without hesitation. While our website doesn't feature every company or financial product on the market, we're proud that the advice we provide as well as the advice we provide as well as the tools we design are impartial, independent easy to use and completely free. How do we earn money? Our partners compensate us. This could influence which products we write about (and the places they are featured on our site), but it does not affect our recommendations or advice that are based on hundreds of hours of study. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. . What to do about selling your car If You Have Still a Loan You must pay off the loan in order to transfer ownership. You owe the lender any difference between balance and the price of sale. By Philip Reed Auto Loans Specialist | Edmunds.com Philip is an auto expert who writes a syndicated column for NerdWallet. He has appeared on national television and radio and even wore a hidden camera for ABC News to show how to bargain on a used car. His goal is to help people save money in their car budgets. 22nd October, 2021 Editor: Samantha Allen Lead Assigning Editor Samantha Allen leads the insurance team at NerdWallet. Previously, she was the digital managing editor for the two publications Financial Planning and On Wall Street. She attended Northwestern University's certified financial planner program , and has been covering personal finances and managing wealth for more than 10 years. The majority or all of the products featured here come from our partners who compensate us. This impacts the types of products we review as well as the place and way the product is featured on the page. But, it doesn't influence our evaluations. Our opinions are entirely our own. Here's a list and . It's easy to sell a vehicle with an loan on it -- however, it requires additional steps and could take longer. If you are a recipient of a loan the lender becomes, in a sense, the owner of the vehicle. The lender's name could appear on the title or the lender may actually hold the title. This is to ensure you don't have the right to sell the car and to the next owner, without receiving its money or the balance in the loan. If you'd like to trade it in to an dealer, it's important to know the amount you have to pay on your loan, whether it's more or less than what you'll receive by selling your car, and how your lender will require you to handle the transaction. You'll need the following information Start by gathering the basics of your loan and your car: 1. Request your lender to provide the "payoff amount" and how you can handle the transaction. The payoff amount is how much it will cost you to own the car in full. The loan has to be paid fully before the lender can release ownership and sign off for the registration. If you're planning on selling your vehicle privately, ask the lender about the steps to take. If the loan originates from a local institution, or one with local branches, they'll tell you to find the buyer and bring the bank's office to sign the loan paperwork. If you have an loan with an online lender, they'll probably direct you to a bank partner or another financial entity to complete the transaction. 2. Determine what your car is worth. Utilizing a price guide such as Kelley Blue Book or Edmunds Find the value of your vehicle, what you're likely getting if you sell the car by yourself or sell your vehicle that is, roughly speaking, what an auto dealer would offer for the car. In general, you'll receive higher value for your car when you sell it in a private party sale than when you trade it in. Take a look at a dealer offer. It will serve as a good standard to beat and as an alternative in the event that your plans fall through. 3. Subtract the payment amount from the worth of the vehicle. If the result is positive, you have equity in your vehicle; If it's negative, you're . Selling a vehicle with negative equity, you have to repay the lender the money from the car sale , and also pay for the negative equity. With this information in hand, let's look at each scenario. Private sale with positive equity The buyer will pay the total sum to the lending institution and the lender will pay the remainder to you. The buyer can pay the remainder of your loan balance to the lender and make an additional repayment to you. For example that you owe $5,000 and your buyer is going to pay $15,000 for the vehicle, you'll get $10,000 for the purchase. Then you and the lender will sign the title and give it to the buyer. The buyer will take the signed title (and any other paperwork required) to the department of state of motor vehicles , and receives the new registration and title. A title that is in good condition can make a private party sale significantly easier. If you've got excellent credit, you might be eligible to get an unsecured personal loan to pay for the full amount that you owe on the car. With an unsecured loan, the lender is not put upon the vehicle's title. The title will be transferred to you and the vehicle will remain yours for the sole time. But the rates for personal loans, regardless of whether your credit is good, will be higher than most auto loans that you pay off in the moment you get the check from the buyer banked. Private sale with negative equity If you owe more than your vehicle will be worth, you need to give the lender the difference between your purchase price and the amount you have to pay. The buyer pays the sale amount directly to the loan provider. You pay the difference. In the example above, if still owe $10,000, and the buyer is willing to pay the sum of $9,000 to purchase your car then you must pay the lender the $1,000 difference. You together with a representative of the lender will sign the title and hand that title to the person buying it, so they will be able to get an updated name and registration. If you're creditworthy, you can take a personal loan to pay for the gap. These personal loans are more expensive than typical car loans and you'll have to pay off the loan as quickly as possible. A title in hand will make selling your car privately more straightforward. If you've got excellent credit, you might be eligible for an unsecure personal loan to pay the total amount that you owe on the car. With an unsecured loan the lender won't be placed in the car title. The title will come to you and the vehicle is yours for the taking. You will be able to repay the majority of the loan when the car sells. Making a trade in a vehicle you owe money In this scenario the dealer is able to manage all paperwork. When you trade in a car that's worth more than you owe, the dealer offers you credit for the difference that can be used towards the purchase of your next car. >> MORE : However, if you're upside-down on the loan then the dealer may offer to include the amount of equity that is negative to the loan for your new vehicle. Take care when deciding on this option as it implies you're actually taking out a bigger loan for the next car. You might want to think about with a lower interest rate rather than getting a new vehicle. If you'll be taking out an auto loan when you sell your car, making these smart decisions will save you a lot of money: and know what interest rate you qualify for before you go to the dealership. This will stop the dealer from over-inflating the interest rate of the new loan. Find out the value of your trade-in for your car, and also the worth of the vehicle you're considering buying. If the dealer won't offer you a price that is close to these, try another dealer or sell the car to a private buyer. Other variations In certain situations the online lender might need the entire balance of the loan before it releases the title. If you have money in hand to pay off the loan in the event that you decide to sell your car, you can do so. If you want to, ask the buyer to give the cash to the lender and then have the title sent directly to the buyer. If you have a good connection to the seller (like a neighbor or friend) this can be a good idea. However, it can be difficult to get other buyers to be a part of this method and invest the time and effort it takes. Working with buyers When you are selling a car you've got a loan on, some buyers may be hesitant and uneasy to follow the additional steps. But, if you manage it properly, most buyers won't object. The involvement of a bank or a known financial institution can ensure that the buyer is confident that it's being done correctly. It is not necessary to include this loan information on your car's classified listing. However, if you believe you have a serious buyer be sure to explain the situation prior scheduling a test drive. Inform them that you've spoken with your lender, and you know the specific steps to follow. In most cases, these steps won't add time to the sale. Actually, closing the deal with a bank is a good idea even when a loan isn't required. It provides a safe meeting location and, typically bank employees are able to answer questions regarding the transactions of a vehicle. The author's bio: Philip Reed is an automotive expert who writes a syndicated column for NerdWallet which has been featured by USA Today, Yahoo Finance and more. Author of 10 novels. On a similar note... 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