Check financing options for your private car deal
Complete a quick application to see personalized rates from real lenders🕐 Takes 2-3 minutes✅ Soft credit check only (no impact to credit score)
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Trusted by thousands of buyers and sellers
$500M+ in private party transactions.
Industry-leading security and verification.
See your real rates in minutes — no obligation
You'll answer questions about yourself and the car. This allows us to match you with real lenders.
Enter your state and the vehicle's VIN to get started:
Ask the seller to share it with you, or check the vehicle's listing — many marketplace and auction sites include the VIN. If you can see the car in person, the VIN is on a small plate visible through the lower, driver's side corner of the windshield, or on a sticker inside the driver's door jamb. Where to find a vehicle's VIN
We use the VIN to look up vehicle's details — like the year, make, and model. This helps us match you with the right lenders and get you started faster. What is a VIN
Yes. A VIN is not sensitive information — it's visible on every vehicle's dashboard and is part of public records. Sharing a VIN does not expose any personal or financial information. Learn more about sharing VINs
Already working with a bank or credit union for a loan?
KeySavvy makes it possible to use your own lender for a private party purchase.
We prepare a purchase order for your lender.
Our team generates the necessary documents for your bank.
We handle title transfer and loan payoff.
We ensure the vehicle title is securely transferred and your seller's loan is paid.
We coordinate payment securely.
Your funds and the seller's payment are managed in a secure escrow environment.
To get started, sign up and share KeySavvy with your seller:
Customers love us!
"Absolutely amazing experience selling the car through KeySavvy. They are an A+ team. I cannot think of any better service."
Mash, Nissan Leaf
Frequently Asked Questions
Yes! KeySavvy has partnered with lenders that understand how KeySavvy transactions work and can often approve loans that traditional banks and credit unions won't.
Instant offers and same day funding for eligible vehicles.
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Checking your rate won't affect your credit score.
When you and the seller agree on a price, you'll download a Purchase Order. The lender will send us a wire or issue a check made out to KeySavvy, Inc. for the amount financed. After we verify the check and your down payment, you pick up your car, and we pay the seller and take care of the paperwork.
You may also use your own bank or credit union. Simply bring the bank the Purchase Order and let them know you are purchasing from an independent car dealer. Please note, we do not accept "pre-approval" checks from lenders.
Buyers and sellers each pay a fee of $99. If the vehicle has a loan, KeySavvy charges the seller an additional $99 to pay off the loan as part of the sale.
Buyers and sellers can split fees equally, or have one party pay all fees. Our fee is paid when the transaction completes -- we never charge a cancellation fee.
Unlike payment apps like PayPal and Cash App, KeySavvy verifies the buyer's identity and the seller's ownership of the vehicle. We guarantee buyers receive a clear title and sellers get paid. 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 and title transfer. As a licensed dealer, we have access to data that enables more thorough verification and helpful services like temporary operating permits.
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.
How to sell a financed car with KeySavvy
If the vehicle is being shipped, we'll pay the seller when the shipper picks it up, as long as we've already received their title. If the seller has a loan and doesn't have their title, we'll pay the lienholder and any positive equity to the seller when the vehicle is picked up.
We require sellers to upload a picture or PDF of the signed bill of lading to confirm the vehicle was picked up. A bill of lading is a fairly standard document that all vehicle transporters should provide and have signed by the seller when picking up the vehicle.
KeySavvy does not make any guarantees regarding the condition of the vehicle. Third-party inspections are highly recommended. KeySavvy users can get 10% off an inspection with Lemon Squad.
You can use any transporter to ship your vehicle. A few popular options include RunBuggy, Montway, Preowned Auto Logistics, and Reliable Carriers (enclosed trailer).
Regardless of which shipper you choose, make sure they are licensed, bonded, and insured. It's best to select a well-rated, reputable company instead of simply going for the cheapest quote. Keep in mind that once your vehicle is picked up, the sale becomes final, so you want your vehicle to be in good hands.
Yes, your payment is refundable (including our fee) until you pick up the vehicle from the seller or until it's picked up by a vehicle shipper. It can take up to 5 business days for refunds to be received after a transaction is canceled.
Yes, KeySavvy supports cars, trucks, motorcycles, trailers, RVs, snowmobiles, and ATVs! As long as the vehicle is titled or registered 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.
We don't support buying or selling boats at this time.
We only share your first name with the seller when you start a transaction. Most states require private party buyers to disclose their name and address to the seller when buying a car so the seller can properly report the sale to the state. The bill of sale we generate for you and your seller will include the full name and address of the buyer and seller.
No, KeySavvy does not guarantee the condition of the vehicle, only secure transfer of funds from the buyer to the seller and vehicle ownership and title verification. We strongly encourage buyers to get vehicles inspected by an experienced mechanic before purchasing. Learn more about getting a pre-purchase inspection.
