Smart sellers insist
on KeySavvy

The safest way to accept payment when selling a car.

To get started, add your vehicle to KeySavvy. Can't find your VIN? Here are some clever places to find it.


No cash. No checks. No sweat.

secure payment
Direct Bank Transfer

Your buyer can securely pay for your car online and you're guaranteed to receive the funds.

bag of cash
No Bags of Cash

Cash can be counterfeit, lost, or stolen and is annoying to deposit.

cashier's check
No Cashier's Checks

Cashier's checks are commonly forged and require bank verification.

How does it work?


Add your vehicle to KeySavvy

When you add your vehicle to KeySavvy, we'll give you a link that buyers can use to pay you online.

List your car for sale on any marketplace

Advertise wherever you like. Include your payment link or QR code image in your ad to deter scammers.


facebook marketplace


Ask your buyer to pay online

There's no need to handle cash or verify a cashier's check. Buyers can use your payment link to pay online using their bank account.

Get paid

Hand over the keys and we transfer the funds directly to your bank account.


Frequently Asked Questions

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. Seller verification is always free to sellers.

Yes! You don't need need to pay off your loan before you sell your car--KeySavvy will pay it off as part of the sale process when your buyer pays with KeySavvy. We charge a $99 fee when there is a loan or lien on a vehicle.

Yes, you can accept cash or a cashier's check and still use KeySavvy to complete your sale for free. Note that we cannot provide protection from payment scams or pay off your loan when you accept these methods of payment.

If the buyer is paying with KeySavvy, we can send payment by direct deposit (ACH), wire transfer, check, and in some cases, Zelle. We collect your payout preference before we approve the transaction. If the buyer pays with cash or a cashier's check, you'll receive it directly from the buyer.

After KeySavvy verifies and approves a sale, we'll send you an email letting you know it's OK to give your vehicle to the buyer. If your buyer pays with KeySavvy, we'll initiate your payment as soon as the buyer confirms they have possession.

Do not give your vehicle to the buyer until KeySavvy has approved the transfer of possession. We only approve the transaction when verification is complete. After we approve, you and the buyer can determine when and where to meet to hand over your keys. We will initiate your payment as soon as the buyer confirms they have the vehicle.

Yes, you control the sale price of your vehicle. KeySavvy is not involved in the price negotiation between you and your buyer.

Yes, KeySavvy allows buyers to finance their purchase through their own bank or credit union.

Unlike a traditional private party sale with buyer financing, the process for sellers is simple: After you and the buyer agree on a price, we work with your buyer to collect payment from their bank. You hand over the keys and we send your payment. You don't have to wait for the buyer or their bank.

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.

If you're selling someone else's car, like a parent, you can still become a trusted seller with KeySavvy. We will require all legal owners to verify their identity or documentation showing your legal right to sell the vehicle.

Yes, it is legal to sell your vehicle even if the registration has expired, as long as you have a clear title (no loans or liens). In some states, such as California, the DMV may require you or the buyer to pay outstanding registration fees when selling it to a buyer within the state. If selling to a buyer out of state, you generally do not need to pay unpaid registration fees when the buyer registers the vehicle.

KeySavvy does not advertise your car, but sharing your KeySavvy link on your ad will help buyers feel comfortable purchasing your car. To find a buyer, you'll want to advertise your car for sale on one or more online marketplaces such as Craigslist, OfferUp, Facebook Marketplace,, CarGurus, Autotrader, eBay, etc. We listed a car on seven different marketplaces and wrote about it in our blog.

Yes. If your loan is more than the sale price of the vehicle (called "negative equity", "upside-down", or "underwater"), you can still sell with KeySavvy. In fact, we make it easier because you don't have to pay off your entire loan before selling your car.

When you agree on a price with a buyer, we'll get a 10-day payoff quote from your lender. We'll collect the difference between the sale price and the payoff amount from you before your buyer picks up the car.

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