OwnerFi lets you sell your vehicle on monthly payments — to a verified, credit-screened buyer — while you hold the lien on the title. No bank. No dealer. Payments go straight to you, and every transaction is backed by OwnerFi's umbrella coverage.
Estimate only. Total proceeds = sale price plus all interest charged over the full term (down payment plus every scheduled payment), before the OwnerFi platform fee shown above. Rates are capped automatically at your state's legal maximum. Not an offer of credit.
Sellers won't hand over a title on trust alone — and with OwnerFi, they never have to. Every transaction is backed by OwnerFi's blanket umbrella coverage, sitting on top of the buyer's mandatory insurance, purpose-built to protect the seller against the incidentals that traditional private sales leave you exposed to.
Full comprehensive and collision coverage, including theft, verified before closing and re-verified every single week.
If a buyer's policy ever lapses, protective coverage is placed automatically the moment it's detected — the vehicle is never uninsured.
OwnerFi maintains blanket umbrella coverage across the platform as the final layer of seller protection, so a gap never becomes your loss.
Coverage is provided under master policies issued by licensed third-party insurers and is subject to policy terms, conditions, and limits. Full program details are provided to sellers before listing.
OwnerFi runs the entire transaction in order — a step can't begin until the one before it is confirmed. Here's the journey from listing to lien release.
Enter the VIN — we verify the title is lien-free and pull specs, market value, current rate benchmarks, and photos to build your listing.
Syndicate to the marketplaces below with one click. Your ad carries a unique link that brings buyers to your OwnerFi listing.
Chat securely on the platform. Buyers book test drives from your availability calendar and meet you in person.
Offers come with a soft-pull credit check, identity (KYC) verification, and bank verification — presented as a clear risk profile. Negotiate and counter right in the app.
Approve the buyer and both of you e-sign a state-compliant financing agreement and bill of sale, generated automatically.
The buyer's full-coverage policy is verified by API. A pre-approved mobile inspector documents the vehicle. A GPS tracker is installed before sale.
Meet at a DMV or title agency. Collect the down payment, transfer the title to the buyer — with you recorded as lienholder.
Payments flow directly from buyer to you through Stripe. OwnerFi monitors insurance weekly, sends payment reminders, and guides the lien release at payoff.
Buyer and Seller portals — purpose-built for seller-financed sales. Here's a look inside.
Vehicles, postings, inquiries, test drives, applications, contracts, and monthly income — one view.
Every buyer tracked from inquiry to contract — with credit risk profiles and in-app negotiation.
The financing agreement and bill of sale, built from your deal terms and e-signed by both parties.
OwnerFi isn't a marketplace — it's the engine behind your listing on the marketplaces you already use. One click prepares your ad, with a unique link back to your OwnerFi page, for:
A talented and dedicated team — because trust infrastructure is only as good as the people engineering it.
We're selecting a limited group of beta sellers to complete the first transactions on OwnerFi. Beta sellers get white-glove onboarding, direct access to our team — and our biggest thank-you:
Select beta users pay no OwnerFi fees on their transaction, not just at signup but for the full duration of the note. Every payment your buyer makes goes to you, 100%.
Have a car, truck, or SUV with a lien-free title? Tell us about it and we'll be in touch.
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