The seller still has a loan on the vehicle

Asked by Bill Jan 14, 2020 at 09:22 PM about the 2013 Ford Edge Limited

Question type: General

The seller still has a loan on the vehicle.  We want to purchase it from him but
how will this work.  Will you guys operate as an escrow agent taking his title
and our funds and then paying off his existing lean and sending us the title?  
How long does this normally take?

3 Answers


Purchase and transfer of title is done through the creditor as with any vehicle financed.

So to clarify, if a private party seller on CarGurus has an outstanding lien there is no protection through CarGurus for us as the buyer? We want to purchase a vehicle but they do not have the money to pay off their existing lien and I do not want to pay them in full on the hopes that they pay off the lien and send us the title. I was looking to see if you guys provide an escrow service of some sort.


Never give money to a seller that has an outstanding loan balance.

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