Last year i needed to buy a car, but my credit was bad atm, so my girlfriend at the time let me use her credit to buy it. Now almost 2 years later i have to buy a diferent car so i can take out of the title. My question is, can i go and buy a car and turn mine in even if my car is under her name? Does she have to be present?
If we deconstruct the question to its constituent pieces, it sounds like you want to discharge the loan on your (ex-girlfriend’s) existing car, sell it and take out a loan to buy a new car.
Well, you are allowed to pay off the loan on the old car, subject to early discharge conditions. You are also allowed to apply for a loan on the new car. But if the old car is not in your name, it isn’t yours to sell.