With KeySavvy, you can sell a financed car to a private party without paying it off first.

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 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.

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.

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 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, after we verify their buyer's payment. We'll provide a guide for signing and mailing your title.