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If theres still a lien, the owner will have to get permission from the lender to transfer the title to the buyer.
To complete the car loan transfer, the potential new owner will need to file a new loan application with the current lender. Theyll need to go through the loan approval process (including a credit check) before they can be approved to assume your car loan.
Yes! You do have the option to title and/or register your vehicle in someone elses name. In order to do this, the new owner must sign a Security Agreement form, acknowledging that the credit union has a lien against their property.
You can transfer the car to the buyer at the DMV with a temporary operating permit until the loan is paid off and the title can be mailed to the owner. Unfortunately, that can be a lengthy process that takes weeks, or you might have to pay an extra fee to expedite the title transfer.
When you take over a lease, youre only on the hook for the remaining payments. The original leaseholder is or was responsible for the down payment, if any. This can save you a lot. If someone lists their lease for takeover, theyre probably eager to get out of the contract.
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People also ask

Typically, both the original borrower and the new borrower must mutually agree to file a Taking over Car Payments Contract. Additionally, the lender or financial institution holding the auto loan must also approve and process the transfer to ensure that the new borrower is creditworthy.
If you want the lender to release the car title to the buyer, youll need to cover the full loan payoff amount. If you have positive equity, your lender will reimburse the difference. If you still owe money on the loan, youll need to pay the difference.
No. Until the car is paid off, you cannot legally sell or transfer it to another person or make changes to the title without the lenders approval. To get that approval, your spouse would have to apply for a loan and get approved before the transfer could take place.

legal document for taking over car payments