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The text explains that when you buy a car with a loan, the bank technically owns the vehicle until you pay off the loan. However, you are considered the owner of the car, not the bank. This means you can sell, refinance, or do anything you want with the car. The arrangement with the lender is that they hold the title until you fully pay off the loan, at which point they will transfer the title to you. Your insurance is based on you as the owner and driver of the car.
