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system
strategy to pay off car loan before selling the car
user
as far as ease of sale transaction goes you'll want to pay off the loan and have the title in your name and in your hand at the time of sale.  selling a car private party is difficult enough, the last thing you want is some administrivia clouding your deal.  how you go about paying the remaining balance on the car is really up to you.  if you can make that happen on a cc without paying an additional fee, that sounds like a good option.
assistant