Sell your car
even with a loan
Still making payments? That is completely normal. VIN On Spot handles the payoff directly with your lender, pays you any equity by instant ACH, and never charges a fee.
Owe money on your car? You have two simple outcomes
We handle loan payoffs every day. Once we confirm your exact payoff amount with your lender, it comes down to one of two cases.
We pay your lender the payoff directly and send you the remaining balance by instant ACH. That extra amount is your equity, and it is yours to keep.
You can still sell. You simply cover the difference between the offer and the payoff, and we take care of closing out the loan with your lender.
How it works when you still have a loan
- 01Get your offer
Enter your VIN and a few details. A real person prices your car in about 10 minutes. Having a loan does not change your offer.
- 02We confirm your payoff
Share your lender and we contact them directly to verify the exact payoff amount, so the numbers are right before you commit.
- 03Quick inspection
Come-to-you or walk in. Usually 15 to 20 minutes, and yes, a short test drive.
- 04We pay the lender, you keep the rest
We pay your bank directly. If your car is worth more than the payoff, the difference is yours. If it is less, you cover the gap.
What to have
ready
Nothing complicated. A little lender info up front lets us confirm your payoff and keep the sale moving.
- A valid photo IDSo we can verify ownership.
- Your lender detailsWho holds the loan, so we can request the payoff.
- A payoff letter, if you have oneNot required, we can get it from your lender, but it speeds things up.
Financed car questions
See your real offer
Enter your VIN and a real person prices your car, loan and all, most in 10 minutes or less.