<prompt> Human: Selling a car on Craigslist sucks, man. The signal to noise ratio is terrible and the level of idiocy on the part of buyers is astounding. Had one family show up that was shocked the car was a manual transmission, despite the fact that I mentioned in the ad that it was a stick multiple times even!. Another dude offered me football tickets in lieu of actual money. One persistent dude, a local who has seen the car and had it inspected, is still interested. He says he is pre-approved for a loan through his credit union but with one catch: they wont allocate the funds until he shows them a bill of sale. Is that a thing? I find it hard to believe that someone who is pre-approved cant get the cash allocated before the car purchase. He also pushes back against a cash payment. To be fair he lives in a sketchy area and is an hour or two away; I can see not wanting to haul around a bunch of cash. Still, sets off a lot of red flags. Am I being too paranoid?  <response>: The bank wants their collateral before providing payment for the loan. As far as they are concerned you could be running a scam trying to sell a car that you dont actually own. If it was a local transaction Id offer to take the title to the bank and exchange it for payment. I probably wouldnt go through that much trouble for an out of town buyer unless the sale was very profitable. 