How does Car Gurus facilitate the title transfer and the handling of the money exchange?
CarGurus itself is an advertising & marketing site. Title exchange and financial matters are between you and the other party and lenders, if any. Payment of fee comes when you report the sale.
no one will tell you - I find this very sketchy
Look here: https://cargurus.helpscoutdocs.com/article/232-secure-private-party-transactions