Still making payments? No problem! We work directly with your lender to handle the entire payoff process. If your car is worth more than you owe, you get the difference in cash.
We handle both positive and negative equity situations professionally.
We pay off your loan directly
You get the difference in cash
Title transferred cleanly
Multiple payment options available
Finance the difference if needed
Exit your loan cleanly
Important: Even with negative equity, selling can stop further depreciation and eliminate monthly payments, insurance, and maintenance costs.
We handle everything directly with your lender. You don't have to worry about the complex paperwork.
Receive instant offer based on your car's value, not your loan amount.
We get the 10-day payoff amount directly from your lender.
Sign papers and hand over keys. We handle the rest.
We pay your lender within 48 hours and send you any difference.
Chase Auto
Bank of America
Wells Fargo
Capital One
Ally Financial
TD Auto
US Bank
PNC Bank
Credit Unions
GM Financial
Toyota Financial
And Many More...
We make selling a financed vehicle simple, safe, and profitable.
We work directly with your lender ensuring safe, legal transfer. No risk of fraud or complications.
Loan payoff completed within 48 hours. Stop making payments and move on with your life quickly.
Get more than dealer trade-in offers. We focus on your car's value, not manipulating loan terms.
Selling your car and paying off the loan can actually improve your debt-to-income ratio.
We manage all documentation with your lender, DMV, and insurance. You just sign and go.
Stop monthly payments, insurance costs, and maintenance expenses. Free up your budget immediately.
Rachel K. - Dallas, TX
"I was stressed about selling my car while still owing $15,000 on the loan. Vins & Miles made it incredibly easy. They offered me $19,500, worked directly with Chase to pay off my loan, and I received a check for $4,500 within 3 days. No dealership games, no complications. They handled absolutely everything!"
We work directly with your lender to get the payoff amount and send payment within 48 hours of purchase. You don't have to coordinate anything - we handle it all.
If you owe more than our offer, you can pay the difference at closing or potentially finance it. Many customers find it worthwhile to exit a depreciating asset.
Most lenders process our payment within 2-3 business days. You'll receive confirmation when the loan is fully satisfied.
No, we handle all communication with your lender. Just provide your account information and we take care of the rest.
Paying off your auto loan typically has a neutral to positive effect on credit. It reduces your debt and can improve your debt-to-income ratio.
Get your instant offer and see how much cash you could receive after paying off your loan.
Check My Payoff Value