How A Dealer Buys A Car With A Lien

1. First, set up a deal.

   You can follow this guide: How To Create A Deal As A Buyer

2. In the Title step (Step 3), if you choose Financed for ownership status, the seller will need to pull in their lien information by clicking Check my loan estimate.

   

3. The seller then clicks Get started and agrees to pull in their lien data.

4. We’ll automatically retrieve the seller’s auto loans so they can select the correct loan for this vehicle. Our support team will confirm these details once the Loan Payoff Service is requested or added to the deal.

   

   
   

5. The estimated payoff information is then added to the deal so both dealer and seller can see the amount owed and the estimated seller proceeds.

   To initiate the Loan Payoff Service, the dealer clicks Check loan so our team can verify that the lien holder is supported.

   

6. Our support team typically confirms availability within one business hour. Once confirmed, the deal status updates, and the dealer can click Add service to include Loan Payoff.

   This service is included in your closing fee — no extra charge.

   

7. We’ll show a brief overview of what’s included. The dealer confirms by clicking Get this service.

After that, you’re all set to finish the deal!

When the payment transaction is completed, the loan payoff amount will go directly to DealNow, and the remaining funds will be sent to the seller.

For details about handling situations where the loan balance exceeds the purchase price, see: Negative Equity Lien Payoff