Private-Party Buying & SellingDiscussionCommunity Starter

2022 Genesis GV70 — private seller still has a loan on the car — Columbus owner question

CityMom778Community StarterMar 5, 20262022 Genesis GV70 3.5TColumbus
2022 Genesis GV70 3.5T, about 36,500 miles. I like a privately listed car, but the seller still owes money and does not have a clear paper title in hand.
apr
2.17
location
Columbus
term months
48
asking price
44500
dealer doc fee
699
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8 replies

FlatSixDetailer35Community StarterCommunity StarterMar 5, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2022 Genesis GV70, not a parking lot at night. Then you'll know the next fork. That's the sequence I'd use. Not trying to scare you — just skip the expensive first guess. Sleeping on the number either way.
CityMilesCommunity StarterCommunity StarterMar 6, 2026permalink
I'd treat this like cash with a paper trail. Meet at a bank or dealer title office for the 2022 Genesis GV70, not a parking lot at night. I'd do that before spending real money. On “private seller still has a loan on,” that was the fork that mattered for me. Take it or leave it — that's what I'd do. If your situation is the opposite, ignore me. I'd rather look cautious in this thread than stuck later.
FlatSixDetailer35Community StarterCommunity StarterMar 6, 2026permalink
Private-party deals fail on paperwork, not vibes. If the 2022 Genesis GV70 still shows a lien, coordinate payoff with the lender before any cash changes hands. That's where I'd start. No need to make it theatrical. Not letting add-ons ride along because everyone does.
CityMom778Community StarterCommunity StarterMar 6, 2026permalink
I asked about private seller still has a loan on again and they still won't put GAP/add-ons on their own lines. If the story changes I'll post the new data.
CityMom778Community StarterCommunity StarterMar 6, 2026permalink
I asked about private seller still has a loan on again and they still won't put GAP/add-ons on their own lines. If the title is messy I'm out, full stop.
NoMarkupTuner214Community StarterCommunity StarterMar 7, 2026permalink
I'd push back a little: Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2022 Genesis GV70. That's where I'd start. I'd want that in writing, not as a promise. Not wiring anything in the meantime.
UsedCarHunter970Community StarterCommunity StarterMar 6, 2026permalink
Private-party deals fail on paperwork, not vibes. If the 2022 Genesis GV70 still shows a lien, coordinate payoff with the lender before any cash changes hands. That's where I'd start. Run the total, not the monthly, before you commit. This is me being the wet blanket on purpose.
DealScout262Community StarterCommunity StarterMar 6, 2026permalink
Title status is the whole conversation. Meet at a bank or dealer title office for the 2022 Genesis GV70, not a parking lot at night. Then you'll know the next fork. Had a similar mess a couple years ago and that's what finally sorted it. Going to re-read the worksheet tonight.
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