If the loan is at a local bank, you should meet the person at that bank. The payment should be made to the bank to pay off the loan to make sure the bank releases the lien on the title. You will need to make sure you sign a Bill of Sale to show you are buying the car and the seller is releasing their interest in the vehicle.
Pretty simple, you pay the seller. CarGurus is ONLY an advertising site and does NOT in any way get involved in the transaction.
There are a lot of bad answers in this question section see this link for more info: https://cargurus.helpscoutdocs.com/article/232-secure-private-party-transactions
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