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As the owner you can sell the car any time you wish as long as you pay off any existing loans. If you sell the car for less than the total loan, you are liable for the difference. Your lender should have a process for individual-to-individual sales. Often this can be done at their location and they will accept the buyers money as payment on the loan and provide you the title (or lien release) so that you can turn it over to the buyer. Check with your lender.

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Q: Can i trade a car with a private seller even though my car is not paid off?
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