Add your vehicle
Enter the VIN — we verify the title is lien-free and pull specs, market value, current rate benchmarks, and photos to build your listing.
Seller-financed vehicle sales, done safely
Sell your car.
Be the bank.
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.
✓You stay on the title as lienholder✓Buyers are identity- and credit-verified✓The entire transaction is 100% insured✓OwnerFi never holds your money
What your car earns on a noteOWNERFI
VERIFIED
Buyer's monthly payment$474
Interest you charge over the term$4,065
OwnerFi fee (10% of each payment)$47/mo
Total proceeds received from sale$26,065
LIENHOLDER OF RECORDYOU
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.
The OwnerFi promise
If the unexpected happens, you're covered.
Every transaction is backed by OwnerFi's umbrella coverage, sitting on top of the buyer's mandatory insurance to protect the seller.
Buyer's coverage, always on
Coverage is verified before closing and re-verified every week.
Lapse? Covered instantly.
Protective coverage is placed automatically when a lapse is detected.
Umbrella on top
A final layer of seller protection sits across the platform.
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.
The process
Every step verified. 100% Risk Free.
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.
Post everywhere
Syndicate to the marketplaces below with one click. Your ad carries a unique link that brings buyers to your OwnerFi listing.
Message & test drive
Chat securely on the platform. Buyers book test drives from your availability calendar and meet you in person.
Know your buyer
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.
Sign the agreement
Approve the buyer and both of you e-sign a state-compliant financing agreement and bill of sale, generated automatically.
Insure, inspect, track
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.
Transfer at the DMV
Meet at a DMV or title agency. Collect the down payment, transfer the title to the buyer — with you recorded as lienholder.
Get paid monthly
Payments flow directly from buyer to you through Stripe. OwnerFi monitors insurance weekly, sends payment reminders, and guides the lien release at payoff.
Inside the platform
A command center for every deal
Buyer and Seller portals — purpose-built for seller-financed sales. Here's a look inside.
Platform preview
coming soon
coming soon
Seller dashboard
Vehicles, postings, inquiries, test drives, applications, contracts, and monthly income — one view.
Platform preview
coming soon
coming soon
Buyer pipeline
Every buyer tracked from inquiry to contract — with credit risk profiles and in-app negotiation.
Platform preview
coming soon
coming soon
Contracts, generated
The financing agreement and bill of sale, built from your deal terms and e-signed by both parties.
For sellers
Earn more than a cash sale — with the title as your security
- Collect the full price plus interest. A note typically returns thousands more than cash.
- Sell faster — offering payments multiplies your buyer pool.
- Stay protected — lienholder of record, umbrella coverage, GPS, verified insurance, inspection on file.
- Manage a portfolio — track every vehicle, buyer, and payment from one dashboard, within your state's annual sale limit.
For buyers
A real path to ownership — without the bank
- Soft credit check only — applying never dings your score.
- Deal directly with the owner: inspect it, drive it, negotiate the terms.
- Fair, capped rates — interest can never exceed your state's legal maximum.
- The title is yours — registered in your name from day one, lien released at payoff.
Simple, aligned pricing
No listing fees. No subscriptions. We get paid when you get paid.
- 10% of each monthly payment, paid by the seller — nothing from the buyer.
- Deducted automatically from each payment through Stripe. OwnerFi never receives, holds, or moves your money.
- Buyer stops paying? Our fee stops too. Our incentives are your incentives.
10%of each monthly payment — that's the whole price. Waived entirely for select beta sellers.
Your listing, everywhere buyers look
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:
Direct
Share link
Share link
Questions, answered straight
Frequently asked questions
What happens if the buyer stops paying?
You hold the lien on the title, which means the vehicle is your collateral. The financing agreement gives you the standard remedies of a secured lender under your state's law.
What if something goes wrong that isn't the buyer's fault — fraud, theft, a coverage gap?
This is exactly why OwnerFi maintains blanket umbrella coverage across the platform, layered on top of the buyer's mandatory full-coverage policy and automatic lapse placement. The three layers are designed so the vehicle — your collateral — is continuously protected from listing to payoff. Full program terms, conditions, and limits are disclosed to every seller before listing.
Does OwnerFi handle my money?
Never. Buyers pay you directly through a third-party payment account. OwnerFi never receives, holds, or disburses funds.
Who sets the interest rate?
You do. The platform guides you with market benchmarks and caps selectable rates at the legal maximum for your state.
How many vehicles can I sell?
Every state limits how many vehicles a private individual can sell in a 12-month period before dealer licensing is required — commonly five, and as low as three in some states. OwnerFi tracks your completed sales against your state's limit and won't let you list beyond it. Ready to scale past that? We'll point you toward dealer licensure.
Will applying hurt the buyer's credit?
No. OwnerFi uses a soft credit inquiry with the buyer's consent, which does not affect their credit score.
What vehicles are eligible?
Passenger cars, trucks, and SUVs with a lien-free title (we verify this by VIN before a vehicle can be listed). Motorcycles, RVs, and boats are on our roadmap once insurance monitoring supports them.
The team
Built by people who sweat the details
A talented and dedicated team — because trust infrastructure is only as good as the people engineering it.
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LGLimited beta
Founding sellers pay nothing.
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:
★ All platform fees waived — for the entire loan term
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.
Support
Need a hand? We're here.
Questions about a listing, a payment, or anything else — reach our support team any time and we'll get back to you quickly.