Can a Car Under Loan Be Sold?

1 Answers
QuinnLee
07/30/25 7:34am
A car under loan cannot be sold. During the loan repayment period, the borrower does not have ownership of the vehicle but only the right to use it, making it impossible to complete the transfer of ownership. However, it is still possible to sell a mortgaged car through a debt transfer. Below are the legal methods to sell a car under loan: 1. Seller pays the remaining balance: First, contact the seller and negotiate for them to pay off the remaining loan. Then, retrieve the vehicle registration certificate, vehicle qualification certificate, and purchase contract from the bank, and proceed to the vehicle management office for the transfer. This method protects the legal rights of both parties, but finding a buyer willing to do this is rare, and the selling price is usually higher than other methods. 2. Transfer of mortgage agreement: (1) Both the buyer and seller must go to the bank to process the transfer of mortgage agreement. This requires providing a valid ID card (original and copy), the vehicle mortgage contract, and the vehicle license, followed by fingerprinting and signing. (2) The vehicle's source must be legal, and its information can be verified at a 4S shop or through the traffic police vehicle system. (3) The new owner can then use the vehicle license to purchase insurance from an insurance provider. (4) The price of a mortgaged car is generally very low, so careful consideration is advised before proceeding with the sale.
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