How to Sell Your Car When You Still Have a Loan
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- Äas pĹidĂĄn 11. 09. 2024
- I get a call about this guy that has a that he bought for $28,000, and he wants to get out of that loan because the car payments are so high and his only making $2000 a month. The interest by the way was above 20%.
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1. Car Value ( and yes it is legal to sell it )
- To find out the car value you can use Kellyblue book or just check out the general market
- However, usually you will not sell the car for what you paid for it
- Car loses around 10-20% the first year and 50% by the time it hits year 3-5
For example:
- The guy that bought the car for $28,000 and has only been paying 90 towards capital because the interest is so high
- That car is only worth $14,000
- So even if sold it ( he would still have a negative balance of $14k )
2. Escrow Service
- Most buyers do not want to buy a car that has a lien or balance on it
- Because they know they cant get the title of the car until the balance is paid off and even then it might take a 2-4 weeks to get the titles
- So to ease the tension ( you can use an Escrow Service )
For example:
- This means the company will hold on to the money until all conditions have been meant
- And then once the conditions have been meant you will get paid
- And they will handle all the paperwork to transfer the title over to the buyer
Tip: the problem, most of you are going to need that money asap to pay the loan, and hopefully get another loan to refinance the debt ( so the title can get released )
Answer: sounds like for this, you might need to get A buyer for the money the car is worth, plus b a lender for a personal loan to pay off the debt ( so the title can be release,d and most likely you can pay less money in interest )
Another Option is a Bill of Sale: where you make sure you sign a contract saying once the last payment has been made you will transfer the title to me ( for stuff like this you need a lawyer or again just use an escrow company )
3. Using the Loan as a part of the Purchase price
- Now this is a fast way to take care of the problem that most people will not be able to do
- If the car is worth 15k and you only have left $10k on the loan
- You can go directly to the lender of the money, right a check for 10k and get title transfer and give the buyer 5 once the title has been transferred.
The moral of the story, donât buy something you cant afford. Especially things that depreciate
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4:35 thatâs when it starts
Greatly appreciate it!
Lol
Thank u
LMAO THANK YOU
Youâre a Godsend đ
Hey, when I did this many years ago, the man who purchased it from me for his daughter, helped me draft the contract in my own home. We printed it, and we went to the bank together to pay the loan on the car, so he knew what I was doing. It worked really great!
This is why being upside down on a loan is so dangerous.
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Fâ˘oâ˘rmâ˘oâ˘râ˘eIâ˘nâ˘qâ˘uâ˘iâ˘râ˘y
No, itâs actually stupid dumb as f___ to finance a car from jump!!!! If you donât have the cash đľ, donât buy it!!!!
Suffer by taking the bus, save up, and pay đ° cash for it!!!! i have purchased two cars in my life!!!! One was for $8,000.00 and another was for $10,000.00!!!!
@@bryonwatkins1432 not true, especially if youâre able to reinvest for a bigger return. Iâd rather put 0 down have more money in stocks. My APR might be 3% but my stock returns are 20% annually. So it would be better for me to take payments because vehicles generally only depreciate
@@741852justinnn To each is own!!!! Cash buying, no worries!!!! My philosophy since my 20's is when you die, your cold dead as will be the only thing that will accompany you!!!! That and the clothes they put you in!!!! Stocks, a manipulated joke!!!! A lot of people don't care about that bullshit, re-install this, that, and those!!!! As for a car, get one that holds great re-sale value!!!! Buy a car not to keep up with the Jones's!!!! Buy next summer, i'm buying a 1992 Mustang GT 5.0 convertible in cash!!!! Has excellent re-sale value!!!!
@@bryonwatkins1432 very good advice đŻđŻđŻ
I wish people would get to the point
Foreal this nigga taking Foreal i feel like he capping
naw naw naw, where's the fun in that?
Facts
True
Forreal
These days if you're not spending to recover,then you should stop spending
Best quote of the year!
Yes well said I've been saving and making plans to start growing extra income stream..any guides on how to invest yet??
@@richardjeff7021 It's a great idea investing I make $3k weekly from my investment that has been a boost to my general income
@@sophiascott8757 Wow that's awesome!
How do you make such.profits any tips
A beater car for $1,000?
Sadly thatâs not realistic anymore.
Beaters these days run in the $3,000 range.
Facebook market place i gotta good car that lasted me two years for 3500
Not even where I live a $5000 is good for a car that needs a new engine or other major issues
Actually a lot of people do âcareâ about what people drive. Car enthusiasts LOVE seeing nice car pull up to where theyâre at, be it a store or a car meet. Itâs all about preference. Some people see cars as a means to get from point a to b but the same amount of people love a car that looks/sounds nice
You can love something but itâs doesnât mean you have to buy; especially when it makes you broke and you canât afford it. I love cars too, but in the mean time, while love catches up with ability, I drive a simple Toyota Prius.
@@TommyBryson Exactly. My dad is the exact opposite. He's a car enthusiast.
Don't ever want to go broke because of it tho, the 1 best thing about pulling up in a nice car is also having money to spend in the place you just pulled up, i don't have a luxurious car yet i got a 05 grand Cherokee but that thing always carries a full tank of gas and i can fill the back with groceries every time, i want a Trackhawk jeep but aint no point of getting right now if filling up the gas tank weekly would be a "big" financial decision, I'm on the way tho don't give up on your goals đđ˝
you should get away from these type of people then. Focus on something that matters, not some surface level satisfaction.
@@sliestfox not that serious dude. being a car enthusiast isnât a bad thing. Itâs no different than liking a certain genre of music or a certain type of food.
Iâm legit looking at doing this now Iâve never clicked faster
lol me too
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How it go ?
Did you do it ?
Me too!!
1. sell the car for as much as you can
2. pay or finance the difference
3. learn a valuable lesson
Your payment for the negative equity will be less than the car payments you are currently paying, youâll save thousands on interest in the end.
Thanks. This actually sounds like good advice
@jonnyvelasquez4411good question
â@jonnyvelasquez4411 He means that if you sell the car and let's say you get $15k for the car, but your loan is for $17.5K or 20K. Put the 15K down on the loan and finance the difference left on the loan to its maturity. You'll still save thousands on interest as he said above.
This is why you buy a honda or lexus
He bought that car used with that high interest rate. I bought a new car with no job with a 6 year loan of 4.49% and paid it in 3 years. My car helps me make more $$$.đ
I bought a Benz G wagon. Now I'm thinking about selling it. It is worth $8,000 more than I paid for it. I was lucky. The person I bought it from said "i didn't mean to sell it to you that cheap ".
Lol, that's wild. I would sell it, and build wealth
Although not the best financial decision, this is one of the main reasons I got a Tesla. My 2019 model 3 is worth about 30,000-33,000 but my loan is now down to about 26,000
So if you sell it you have positive equity but does it affect ur credit?
good thing is you can still sell your tesla for more money since Tesla hold its value and warranties are a plus, you can still make a profit
As long as the battery doesn't explode and burn the thing to a crisp lol jk
Donât need a Tesla for that. Bought my 2020 frontier pro4x for 35k brand new in February 2020 and today itâs worth 32-35k with 15k miles and 3 years old. I basically drove it for free on 0.9% APR.
Bruhhh this is the video I needed when I sold my car with a loan on it đĽ˛
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Howd you sell it?
Similar situation here, loan still at 28k owed on the car 15k monthly payments $352. 2017 Kia soul ridiculous
This may not be the ultimate answer, but always buy used, 4-5 years old. Yes you not guaranteed to avoid these situations but you limit you loss somewhat and just try have a decent credit score.
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Fâ˘oâ˘rmâ˘oâ˘râ˘eIâ˘nâ˘qâ˘uâ˘iâ˘râ˘y
My exact car on the thumbnail that Iâm trying to let go lol
What do I do? I owe 7,600 on it and the car is worth 7,700 and have someone offering to pay 7,7k but they are also getting a loan!! So how would I do that and make this work! They have got approved for 7,7k and want to buy it now how would I do this?
Go to your lender and tell them the situation. This is really rare, where you dont end up lossing a bunch of money. Happy you get to break even
Iâve made a financial mistake guys & gals (22), in 2021 i was uninformed and unprepared for the imminent threat of gas prices and other variables; was eager for wheels to get me a-b for i was frugal & desired x car.. i have a 2021 Honda Accord 2.0 Sport & am contemplating on trading it in for a used model 3.. should i? Any insight would be helpful
Iâm in this situation now đ
Can't trust what dealerships say you're car is worth sometimes it's way off sell it in the used car marketplace you'll get closer to paying off loan or you may get the exact amount you owe on the loan
Thatâs a 100% true, selling it yourself will usually get you more cash
He needs to have a homie wreck his car (knock it of the cliff, fire inside the vehicle, flood the car), so he can get out of that loan and the insurance totals it. Hahahaha just kidding. đ đ đ đ
*takes notes* thank you bro!
This works better than you know it can even be did over and over again using gap insurance
đđđđ
This comment has me dying
I have the same problem but mines not fancy and my truck had the catalytic converters stolen out so I had to sell it and get into a car l, but this was the height of Covid and I got screwed big time 22k in total and the car is worth only 9k đ˘ my payments are around 500 a month and the interest is well above 20% it is killing me help please
âit doesnât matter no one caresâ so many people care bruhđđ
What you guys think I should do??
I got a car that I owe 12k on but is appraised at 19k high and 18k low.
I would like to just sell not even trade in.
Depends: options are sell and pocket 6k and use that to buy a car for cash and now you have no debt.
Or if you like the car, pay extra towards it to finish paying it, as fast as possible.
I have two cars. I have $6k left on my loan for a 2018 Corolla thatâs worth like $13k I believe. My financial situation is in good shape? I donât need to worry ? I fully own my 2008 Lexus IS 250 so that is fully fully paid for. If I give up the Corolla I still have a car , a fairly nice one too.
You went from a Lexus to a Toyota Corolla đ¤đ¤
@@rioguttaful No you misread OR I typed it wrong. I have a Toyota Corolla AND and a Lexus IS 250. I own two cars
TYT is tyt
I have a 2019 escape worth 19500 and I have a loan on it worth 19500. Should I sell to dealership and just find me a 2015 something?
Lost me wit the lawyer. That's another 8k đ¤Ł
Bro I watch hundreds of videos of CZcamsrs saying not to go out a buy a car until you can buy it in full. I didnât listen and splurged last December. Bought my dream 2021 jeep gladiator Willys but the payments are outrageous and itâs starting to worry me. Im never gonna get a house with my DTI. đ
I needed this video! Thank you so much! Iâm in a similar situation.
My Tacoma literally doesnât depreciate at all
So... if i bought a car 25k with a loan and help with the bank and now cant aford what i still owe 15k. I KBB it for 7500. I sell it for 7k, i will only owe 8k ?....
Yes
Donât watch, save your time
Gym paying off man keep up the good work
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I got a 2016 sierra l.t I owed 19.659 the total was 33k but I can't afford the payments anymore the miles for the truck is 60 k miles only . People help me can a dealer offered me 25 k
Great advice thanks!
Got you
3:54 seconds have passed, this guy is still beating around the bush.
Ok, just answer the question, how the heck am I supposed to get out of this?
Did you sell your car??
Reading these Comments makes me feel better. I only owe $10,000 and my Denali only worth like $2,000 - $3,000. So Really $7,000 in the Hole!
Same bro makes me realize Iâm not the only one that has been fucked itâs just the dealers game and way of making profit of the poor need to fight back by showing these fools I got more money to put on my principles and pay my car off sooner.
Facts or just saving up a little longer and buying a cheap used car đ
Same I have a fkn dodge dart and I owe 8k and itâs worth like 4 đ˘
So I owe 16k on my car that worth like 9-10k can I get a loan and use that to pay off the car and pay the 16k back to the company that gave me the loan? Basically Iâm trying to get a loan to pay off the car fully and sell it to get a cheaper car car I actually like?
amazing video, thanks dude
Damnnn 3 channels, i didnt even know! Will take a look
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Cars arenât a positive investment just sell your car and invest in your future
I need a replacement tho
I have a car I owe 9k on it now and Iâm trying to sell it for 6k how do I do this
4:35 - To skip all the nonsense rambling. This Is when it actually starts.
YES SAME CONDITION THAT PERSON AS FOR ME AT THIS MOMENT... THANKS FOR THIS VIDEO
What happens if Iâm trying to sell my car and the offer buyer makes is lower than what I owe the bank with a difference of 4-5k ?
Negative equity, youâll owe the difference
Youâll have to wait on a better offer. Thatâs what I would do
You got to pay that 4k
@@Zachwilldoit like upfront or can I pay that in monthly installments how I was doing it before
@@jessemonroy9895 you could try and get a personal loan for the difference in price to pay the loan off.
How can I sell my 2019 truck with a profit since they are supposedly up in value ?
Check the market value and find a third party buyer
Dude you spent 3mins advertising your other channels and venting, nobody cares... Start with the valuable information then intertwine your points
I will be doing this today. Iâll update
What happened
@@beautifulqueen748 he died
so if my car at 20k and i only owe about 15k is that good?
That pretty normal
What did I get myself into? Literally. I got someone elseâs Trade -in trade in my sales contracts. Itâs an acquaintance. My Jeep Compass is a Pre Owned Certified. Blue Book Value as of today is 15, 000-17,000. I financed it for the amount $27,
000. What did I do? Did I financially help an acquaintance and screwed myself over?
Are cars get to point a to b if itâs in good condition no matter the year.
I'm in this situation now. I tried option two and people are still bull spitting. I'm selling s semi truck bill of sale is on point. and still no takers. It's frustrating as hell. Lol đ
Sell to a private buyer tranfer the debt to yourself
Very simular situation same amount owed smh. I'm in the auto industry as well how the hell is this value this low
I went to look at a Mazda 6 2017 and told me I got approved to get the Mazda 6 and made me sign a whole
Bunch of papers for the Mazda not knowing blindly signing from another car then they came back saying I qualified for another car after they specifically told me I qualified for the car I wanted how do mix up names from Mazda to Nissan
they financed another car which was a Nissan and I was token advantage of after that now Iâm paying a car I didnât even want and I dint know how to get rid of it I have to pay 24% interest and Iâm a first time buyer and itâs too much
I'm in a similar situation were you ever able to figure out a solution?
@tommybryson It sounds like you like lamborghini's. I have one. Do you know how exotics work? $10k in the bank = a year of payments. Exotics don't depreciate much. Right now they are appreciating. Sell after 8 months or so and recoup 90% of your cash. Driving a lamborghini for less than 95% of other car owners.
I will sell mine in October or so. As of now I should be looking at losing $528 / $66 month.
Thanks!
I can afford it!!! BUT I wouldnât mind getting money back. I owe 27. Ford gives me 35. Does it affect my credit?
Good question
how to sell it 04:45
What if i have a someone that wants to buy the car for the price i got it?
Can i trade in a car from a car auction to get a car from a dealership
So what happens if I get the bill of sale, hand over my money, then he decides to spend the money on something else and not pay off the car?
Lawyer pre deal to handle the transaction
@@TommyBryson Could you go into more detail please? Iâm 19 and donât know muchđ thank you đ
I thought the same thing I feel like that would be dumb on they're part they'll get caught for fraud you'll have the car which is all the information you need
Lol mine was 25% apr for a 17k fusion 470 a month. Iwqas making 1200 a month. Now im 6k behind. Closed account.
Hey Iâm in the same situation right now can you help me???
Have a car worth 40k have loan of 21k trying to sell.( positive equity) How should I go about selling? To a dealer or private?
I work at a car auction. Depending on the car, you could get more bang for your buck selling it there. Basically youâd get how much itâs worth. 30-40k
@@brandonreed6528 hi! Would you mind sharing how to enter on the auction, or what is the name?
Iâm trying to sell my 2019 wrx. I still owe 24k on it. Iâm pretty sure if I go to a dealership they lowball me. It has 60k mileage, good shape all stock. Do to my job I donât longer drive it
Where are you located? I would be interested in paying if off for you while adding it to my turo fleet . If interested , lmk
Did you get this figured out?
I'm trying to sell my motorcycle that I owe $9,500 on and I'm selling it for $9,500. I don't have that kind of money to pay it off beforehand otherwise I would. I'm not really sure what to do with the title situation but if the buyer gives me the money now, then he can take the bike and I'll pay off the loan and send him the title once I get it
I went to the Honda dealership to buy a car with my dad as my cosigner but instead they ended up giving my dad the car because I had no credit how can I transfer my name to the car so that I can build some credit Iâm the one thatâs gonna be paying it
Can i buy the car of my dad to put it in my name
This is exactly my problem n my car broke down after 3 months of having it n the place told me my problem
I mean it is your problem lol
I bought a v6 2013 mustang with very low mileage after driving a v8 challenger made not want it kinda I bought it was around 23k and the balance is 16k
How much is it worth
i owe around $19k on my v8 1500 truck but interest is only 4.94% roughly $3.25 in daily interest.
i have to stop gambling on options, lol.. i could have easily been down to like 15k awready on it but we all make financial mistakes!!!
I could easily sell out my LT and pay all my bills, but i rather stick to my 9-5 and little by little pay it all off cause I know I can turn little money into alot. My most recent TSLA trade went 300% ITM, anyways... staying focused, one bill at a time fam. 100
Watching this video because I wanna buy a motorcycle 2023 Kawasaki ninja 400 worth 7k finance I met someone selling theirs for 4,500 if I take over their loan title is still owed by the bank so I would have to do all the transfer Iâm just wondering if thatâs good for me since I would be the one making payments and using my credit or I donât know how it works
He wants nothing to do with it because the motorcycle is still under finance and whoever buys it he said he would get in contact with the bank in order for the new buyer to pay the debt and transfer the title to the new owner. Since the title owner is the bank not him. Which i would pay 3k right away so I can be left with a 1,500 debt only reason i would do this is if when I pay it off is gonna be beneficial for my credit
As a first gen from my imagrant fam this hits hard
bless thank you
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Thats right pay cash and be free, invest in yourself better..
I have a car 2018 ford Ecosport itâs worth 15k-16k and my loan is 12k
So question , can I junk the car if I still owe the bank ?
The only way to get the title is to pay it off in full or potentially depending on who the lender is, is to transfer the debt to the new buyer
Horrible if you have a descent credit score the interest rate wouldn't have been high in the first place
Thatâs not true
Cash life is the only way.
What is he talking about?
All over the planet
Not much of a help.
Lost me wit the good credit score đ¤Ł
How to sell mobile homes without relocating it?
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Maybe after purchasing a beater he can rent the unwanted car to turođ¤
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Great idea
Letâs say you capitalize on todays market, you apply for a car loan, drive through car off the lot after making one payment to sell for a 10k profit? Is T that basically fraud to let the banks take all the risk?
No you have the debt
And a repo /
Except Teslas
Wait, 20% .... Bruh has been paying 12% interest for $5,000
So I need a bill of sale .
What about taking the car to drive time?
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Ppl actually do care, itâs a status symbol and ppl definitely pay attention
Better to be rich than to look rich to impress those people
@@TommyBryson well thatâs the thing, most ppl that own expensive cars are wealthy. Key word most, so itâs a good tell
I wish somebody talked to that man cause gaaaahhhhdam
Man im trying to sell my 2017 Ram i still owe 14 k and i dont want to deal with all of this so i went to a few dealerships and getting lowball like a mf đŠđ¤Łđ¤Śđťââď¸ it has 32 k miles clean tittle and these mf want to give me 15 k when theyâre going for 28k plus. My trade in kbb value is 24-27k so i dont get it smh. I might just try to private sell it but i know shits going to be hard
Lol stop buying cars that instantly lose vaule and if you agree to a 20% interest rate you deserve to get finessed smh
My wife and I are leaving the US sometime in July so it just makes sense to get rid of it and it's a nice 21 Corolla 46k miles worth 18.9k on kbb
Nice, good luck with the sell đ
It takes you 5 minutes to actually start talking about how to sell the car!!!
Please slow down.
Im not liking this video he talk to much
Iâm so confused ugh đ˘
Can u olease make a video on income token ?
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Donât get finessedđ