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Sell Your Financed Car
We Pay Off Your Loan
Still making payments? No problem! We work directly with your lender to handle the entire payoff process. If your car is worth more than you owe, you get the difference in cash.
Two Simple Scenarios
We handle both positive and negative equity situations professionally.
Positive Equity
Example: You Get Cash!
We pay off your loan directly
You get the difference in cash
Title transferred cleanly
Negative Equity
Example: Small Payment Needed
Multiple payment options available
Finance the difference if needed
Exit your loan cleanly
Important: Even with negative equity, selling can stop further depreciation and eliminate monthly payments, insurance, and maintenance costs.
How Our Loan Payoff Process Works
We handle everything directly with your lender. You don't have to worry about the complex paperwork.
Get Your Offer
Receive instant offer based on your car's value, not your loan amount.
Payoff Quote
We get the 10-day payoff amount directly from your lender.
Complete Sale
Sign papers and hand over keys. We handle the rest.
Loan Paid Off
We pay your lender within 48 hours and send you any difference.
Lenders We Work With
Chase Auto
Bank of America
Wells Fargo
Capital One
Ally Financial
TD Auto
US Bank
PNC Bank
Credit Unions
GM Financial
Toyota Financial
And Many More...
Why Sell Your Financed Car to Us?
We make selling a financed vehicle simple, safe, and profitable.
Secure Process
We work directly with your lender ensuring safe, legal transfer. No risk of fraud or complications.
Fast Resolution
Loan payoff completed within 48 hours. Stop making payments and move on with your life quickly.
Maximum Value
Get more than dealer trade-in offers. We focus on your car's value, not manipulating loan terms.
No Credit Impact
Selling your car and paying off the loan can actually improve your debt-to-income ratio.
All Paperwork Handled
We manage all documentation with your lender, DMV, and insurance. You just sign and go.
Save Money
Stop monthly payments, insurance costs, and maintenance expenses. Free up your budget immediately.
Loan Payoff Success Story
Rachel K. - Dallas, TX
"I was stressed about selling my car while still owing $15,000 on the loan. Vins & Miles made it incredibly easy. They offered me $19,500, worked directly with Chase to pay off my loan, and I received a check for $4,500 within 3 days. No dealership games, no complications. They handled absolutely everything!"
Loan Payoff FAQs
How do you pay off my loan?
We work directly with your lender to get the payoff amount and send payment within 48 hours of purchase. You don't have to coordinate anything - we handle it all.
What if I'm upside down on my loan?
If you owe more than our offer, you can pay the difference at closing or potentially finance it. Many customers find it worthwhile to exit a depreciating asset.
How long does the payoff take?
Most lenders process our payment within 2-3 business days. You'll receive confirmation when the loan is fully satisfied.
Do I need to contact my lender first?
No, we handle all communication with your lender. Just provide your account information and we take care of the rest.
Will this affect my credit score?
Paying off your auto loan typically has a neutral to positive effect on credit. It reduces your debt and can improve your debt-to-income ratio.
Ready to Pay Off Your Car Loan?
Get your instant offer and see how much cash you could receive after paying off your loan.
Check My Payoff Value