Selling a car with a loan? We make it simple.

Yes, you can sell a car you still owe money on

A surprising number of people think they're stuck with a car until the very last loan payment clears. They're not. Selling a financed car is one of the most common things we do at Car-Tender — and we've made the process about as painless as it gets.

How we handle the payoff

Once you accept our offer, we take it from there:

• We contact your lender directly to request a 10-day payoff quote.
• You sign a limited power of attorney that lets us request the lien release on your behalf.
• We send the payoff to your lender.
• The lender releases the title, and ownership legally transfers to us.
• You receive any remaining equity — the difference between our offer and your loan balance — as your check.

The only thing we need from you is cooperation: your lender's name, your loan account number, and a signature. The rest is on us.

What if I owe more than the car is worth?

This is called negative equity, and it's far more common than most people realize — especially in the first few years of a car loan, when depreciation outpaces what you've paid down. If your loan balance is higher than our offer, you'll need to cover the difference at closing (usually with a personal check or wire). It's not fun, but it's straightforward, and we'll explain every number before you commit to anything.

What we need from you

• Your lender's name and contact info
• Your loan account number
• A valid photo ID
• The car itself (we'll come get it)

That's really it. No title required — we get it from your bank. More questions? See our FAQ →