More than just escrow

Unlike traditional escrow services, KeySavvy is a licensed dealership with real-time access to DMV services that make buying and selling cars worry-free.

To get started, enter the details below. We'll give you a link to share with your buyer or seller.

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How does it work?


Verify your identity

Both the buyer and seller verify their identity with KeySavvy. We also verify title and registration to guarantee a worry-free transfer of ownership.

Buyer pays online

The buyer links their bank account and pays online. If the seller has a loan, we'll provide a temporary permit so it's legal to drive right away. Wire transfers, Zelle, and credit cards are also accepted.



Exchange keys

The buyer and seller meet to exchange keys. If the vehicle is being shipped, buyers can arrange delivery with a common carrier.

Seller gets paid

Once the buyer receives the car or it's picked up by the shipper, KeySavvy pays the seller via direct deposit (ACH). If the seller has a loan, we'll pay the lender directly and send the title to the buyer.


Low, flat fees

$99 transaction fee

$0 transaction fee
$99 loan payoff fee
Learn about selling a financed car

Buyers and sellers can also choose to split fees equally, or have one party pay all fees.

Frequently Asked Questions

Buyers pay a flat fee of $99. Buyers and sellers can also choose to split fees equally, or have one party pay all fees.

KeySavvy does not charge a fee for sellers that have their title in hand. If the seller has a loan, KeySavvy charges $99 to pay off the loan as part of the sale.

Buyers and sellers can also choose to split fees equally, or have one party pay all fees.

When a vehicle is shipped, we initiate the seller's payment as soon as we receive the title and the vehicle is loaded on the trailer. The seller's bank usually makes funds available within 1 business day.

We require the seller to send us the title for verification before initiating the seller's payment. This helps prevent errors and omissions that would invalidate the title or delay the buyer's registration.

In some cases, at the buyer's request, we can initiate the seller's payment before the vehicle is loaded onto the trailer, as long as we have received and verified the title in advance.

This covers the most common scenarios, but transactions with shipping can be complicated, and every vehicle is unique. Contact us if you have unique requirements for your shipped vehicle transaction.

Yes, KeySavvy enables you to purchase a vehicle when the seller still has a loan or lien.

In a typical private party sale, the seller can't transfer ownership to you without first paying off their loan. Paying a seller with cash or a cashier's check and not receiving the title right away is risky for buyers. Because KeySavvy is a licensed dealer, we can handle the loan payoff and sale as part of the purchase process, and issue a temporary permit that allows you to legally drive the car right away.

Yes, you can pay a seller even if they're located out-of-state. If you're picking up the vehicle in-person, we'll pay the seller when you pick up the car. If the vehicle is being shipped, we'll pay the seller when the carrier picks it up.

For out-of-state transactions, KeySavvy requires the seller to mail us the title to be held in escrow, along with your payment. This helps us protect buyers from mistakes on the title that could prevent or delay registration with your state DMV. If the seller has a loan, we'll mail additional paperwork to the seller that enables us to transfer the title to you. Sellers are not paid until we receive all required documentation.

KeySavvy does not make any guarantees regarding the condition of the vehicle and third-party inspections are highly recommended. Read our blog article about pre-purchase inspections to learn more.

Similar to escrow services like, KeySavvy collects payment from the buyer and pays the seller when the buyer picks up the car. However, KeySavvy is specifically designed for vehicle sales. Since we're a licensed dealer, we can verify the seller's ownership to protect buyers from title fraud, work with banks to pay off the seller's loan, and issue temporary permits so it's legal to drive the car immediately.

Unlike payment apps like PayPal and Cash App, KeySavvy verifies the buyer's identity and the seller's ownership of the vehicle. We guarantee that the buyer will receive a clear title to a vehicle they can legally register. In contrast, PayPal explicitly excludes vehicles from purchase protection.

Other peer-to-peer payment services are primarily intended for smaller transactions between friends and family. They have limits that are much lower than a typical vehicle sale price. KeySavvy has no transaction limit and guides buyers and sellers through the process, including help with all the necessary paperwork.

Yes, in order to register your car, you will need to pay taxes and registration fees to your state. In some cases, KeySavvy will collect taxes and fees when you pay for your vehicle. If KeySavvy does not collect taxes and fees, the DMV will collect them when you register the vehicle.

Yes, your payment is refundable until you pick up the vehicle from the seller or until it's picked up by a vehicle shipper.

Yes, KeySavvy supports cars, trucks, motorcycles, trailers, RVs, snowmobiles, and ATVs! As long as the vehicle is titled in the United States, we can verify the seller's identity, check for loans and liens, and allow buyers to pay online. When buyers pay with KeySavvy, we guarantee buyers will receive a clear title and sellers will get paid.

Buy and sell cars worry-free

KeySavvy makes it safer and easier to buy and sell cars on any marketplace.

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KeySavvy is a licensed auto dealer, regulated by Minnesota Driver & Vehicle Services. License #DLR100357.