Selling a car you still owe on
we pay the lender directly

There's still a loan on the car and you want it gone. Maybe the payment got heavy, maybe you already bought something else, maybe you just want out. Every private buyer you've talked to went quiet the second you said the bank still holds the title. This is the most common reason a car sale in Columbus falls apart, and it's the one we handle most.

You need this if the bank, credit union, or finance company still has a lien on your title. You won't have the physical title in your hand. It's held until the loan is cleared, and you can't legally sign the car over without it.

This is where private sales die. A buyer hands you cash, but the cash has to go to the lender first, and now two strangers are standing in a bank lobby trying to sort out a title transfer. Most buyers walk before they get that far.

It gets worse if you owe more than the car is worth. That gap doesn't disappear, and pretending it isn't there just wastes everyone's afternoon. Better to know the number now.

Tell us who holds the loan when you submit your details. We contact your lender and request the ten-day payoff — the exact amount to clear the loan including interest through the date we pay it.

We appraise the car and give you a number. If you take it, we pay the lender directly. Not you, not a wire you have to forward. Straight to them.

Once it clears, we send you a confirmation letter so you have proof the loan is closed and the lien is released. That letter matters. Without it you're taking someone's word that a debt in your name went away.

If your car is worth more than the payoff, that difference is your check, handed to you the same day. Most of the process is waiting on your decision, not on us.

The payoff amount doesn't change what your car is worth. Those are two separate numbers, and we show you both instead of blending them into one figure you can't check.

What moves the car's value is the usual: year, trim, mileage, condition, service history, and what similar vehicles are actually selling for in central Ohio right now. Rust underneath matters here more than most places.

We don't charge anything to do this. There's no fee for handling the payoff and no cost for the appraisal.

We're a licensed Ohio dealer, which is what makes this legal and quick. Dealers move liens and titles every day; private buyers do it once and hope.

BBB accredited with an A+ rating, and 294 people have rated the experience 4.8 out of 5. Plenty of them had a loan on the car.

We'll also tell you fast if it isn't a fit. Clean title, working condition. If you're upside down by a lot, we'll say so rather than string it out.

Not sure this is your situation? Here's how selling your car to us in Columbus works from the start.