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Can my mom take over my car payments?
Am I allowed to give my car loan to my mom? She wants to buy my car from me but I would rather just give her the car and let her make the rest of the payments on it for me.
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It is possible for your mom to take over your car payments, but she’ll have to go through an approval process with your lender to make sure that she qualifies for the loan. This means that she’ll need to provide an
adequate credit score
and debt-to-income ratio in order to take over the loan.If your mom is approved to take over your loan, make sure that she reads over the contract, since the terms and payment due dates will remain the same. Then, she’ll need to file the loan paperwork with your lender in order to legally take responsibility for the loan.
If you’re giving up ownership of your car, you’ll need to update your car insurance, too. The
Jerry
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