Sell a financed car without paying it off first

When your buyer pays with KeySavvy, we'll pay off your loan as part of the sale.

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

Enter your VIN

No trips to the bank

secure payment
Direct Bank Transfer

Your buyer can securely pay for your car online and you're protected from scams.

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

We'll ask a few questions about your loan and give you a link that buyers can use to pay you online.

Share your KeySavvy link

Share your KeySavvy link with your buyer or list your car for sale wherever you like. Mention KeySavvy in your ad so buyers know they're guaranteed to get a clear title.


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Ask your buyer to pay online

When a buyer accepts your price, we'll get your loan payoff amount from your lender. If you owe more than your sale price, you can pay the difference at the same time your buyer pays.

You and your lender get paid

Hand over the keys and we'll pay your lender directly. The remainder is direct deposited to your bank account, minus our flat fee.


Supported Everywhere

You can accept payment with KeySavvy on any site. List anywhere (or everywhere) you want.

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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

Sellers pay a flat fee of $79. If the vehicle has a loan, KeySavvy charges an additional $99 to pay off the loan as part of the sale.

Buyers also pay a flat fee of $79.

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

Many buyers will refuse to purchase your car if you don't have a clear title to sign over to them. You could pay off your entire loan first and wait to get your title from the bank. You could also sell or trade your car to a dealer and they would handle the loan payoff, but they'll pay you much less than a private buyer.

KeySavvy is a licensed dealership, so we can pay your lender directly and sign the title over to your buyer. We'll give your buyer a temporary permit so they can legally drive your car while waiting to receive the title from us in the mail. What do you get? A higher selling price.

Yes! You don't 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 sellers a $99 fee when there is a loan or lien on a vehicle.

How to sell a financed car with KeySavvy

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 vehicle.

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

When your buyer pays with KeySavvy, we can send payment by direct deposit (ACH), check, and in some cases, Zelle. You can choose how you'd like to be paid on your account page. The person receiving the payment must be a legal owner of the vehicle.

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. For most transactions, we'll initiate your payment as soon as the buyer confirms they have possession by clicking a button on their KeySavvy dashboard.

For sales where you need to mail your title to KeySavvy, we'll still initiate your payment as soon as you hand over your keys, but only if we've received and processed your title. Sales that require mailing your title to KeySavvy include those where the buyer is shipping the vehicle, the buyer is applying for the Used EV Tax Credit, or if you have a loan and reside in a title-holding state. KeySavvy may require mailing your title for other sales, but we'll let you know in advance.

Many sellers choose to mail their title in advance, before handing over the keys. After you and your buyer agree on a price, we'll provide a guide for signing and mailing your title.

After KeySavvy verifies your buyer's payment and approves a sale, we'll send you an email letting you know it's OK to give your vehicle to the buyer. Don't give your vehicle to the buyer until KeySavvy has verified your buyer's payment. After we approve, you and the buyer can determine when and where to meet to hand over your keys or arrange vehicle shipping.

Yes, KeySavvy generates a bill of sale automatically. Buyers and sellers e-sign this document and can download it from their dashboard at any time in the future.

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. Our blog has lots of great resources to help sellers, like marketplace reviews and guides for creating stellar ads.

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.

Yes, you can help another person sell their car with KeySavvy. We do require all legal owners to verify their identity and e-sign the sale documents, and we can only send the seller's payment to a legal owner of the vehicle.

Yes, it is legal to sell your vehicle even if the registration has expired. 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.