Sell for more, even if you still owe

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

How does it work?

List your car for sale on any marketplace.

When someone wants to buy your car, tell them to pay online with KeySavvy.

KeySavvy pays off your loan with your buyer's funds. You get the rest.

Create an account and we'll give you a link to add to your listing.

The most recent state of registration (even if expired)

Supported Everywhere

Every marketplace. Every vehicle. KeySavvy is the best way to complete your sale.

facebook marketplace

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.

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.

Selling a financed car to a private buyer is hard since you don't have a clear title to sign. Normally you'd need to 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 handle your loan payoff, but only if your buyer pays using KeySavvy.

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.

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 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.

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Copyright © 2022 KeySavvy, Inc., a public benefit corporation.

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