AI-Powered Car Payment Transfer Solutions

While we can't provide legal advice, this process is legal and operates under permissive use—similar to when you let someone borrow your car. The financing remains in your name, and we use a legal liability transfer contract that shifts responsibility to the new buyer. The buyer is fully insured with you listed as additional insured, and we guarantee all payments to protect your credit. We recommend consulting with your own attorney if you have specific legal concerns.

This is exactly why buyers pay us an upfront management fee—it guarantees YOUR payments. If the buyer ever misses a payment or returns the vehicle, WE continue making the payments on your behalf while we find a new qualified buyer. Your credit is never at risk, and you're never left holding the bag.

There's no catch! The $15 covers document processing fees. We make our money from the buyer's upfront management fee, which is what allows us to guarantee your payments. We want to help people avoid repossession and credit damage, so we keep the cost minimal for owners who are already struggling.

Our proprietary AI analyzes financial profiles, credit scores, payment history, and vehicle preferences to match your car with buyers who are financially qualified and genuinely interested. We verify income, run credit checks, and ensure buyers can afford the payments before any transfer happens. This protects both you and ensures a smooth transition.

The buyer is required to maintain full coverage insurance with you listed as an additional insured party. This means if anything happens to the vehicle—accident, damage, or total loss—the insurance covers it. You're protected throughout the entire transfer period, and the buyer cannot reduce or cancel coverage without our knowledge.

Our AI can match you with a qualified buyer in as quickly as 24 hours! Once matched, we handle all the paperwork, insurance verification, and legal contracts. Most transfers are completed within 5-7 business days from initial consultation to handing over the keys. The sooner you start, the sooner you're free from the payment burden.

No! In fact, we PROTECT your credit. The loan stays current because payments continue to be made on time (either by the buyer or by us if needed). There's no repossession, no missed payments, and no negative marks. This is actually BETTER for your credit than struggling with payments or letting the car get repossessed.

Great question! When the loan is fully paid off, the title transfers to you as the original owner. At that point, you can either keep the vehicle, sell it and keep the equity, or work with us to transfer ownership to the buyer if agreed upon in the original contract. Many buyers choose payment takeovers specifically to build equity, so this is often negotiated upfront.