Can I sell a car if I haven't paid it off?

Yes. You can sell a car that you haven’t finished financing. The process varies depending on to whom you’re selling the car.


  • If you’ve accepted an 100% online offer from CarGurus and the offer is greater than the amount you owe on your car loan, we'll pay off your loan and send you the difference. If your offer is less than the amount you owe, you'll need to either pay off your loan before we can pay you, or pay us the difference before we can pay your lender.
  • If you sell your car to a local dealer, the dealer will guide you through the loan settling process as part of the sale or the purchase of your next vehicle.

For more information, see our guide: How to Trade in a Car That Isn’t Paid Off.

Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.