Can someone tell me what to expect when selling a car that I still owe money on? I owe 1900 and expect to sell the car for at least 4000. What is the best way to make the transaction? I was thinking making a 50% deposit upfront a stipulation of the sale so that I can overnight a check to pay it off and get the title. Anyone know how long it can take the bank (in this case, Ford Credit) to send me the title?