Can I transfer my car loan to another person like my son?

No, you typically cannot directly transfer a car loan to your son the way you might transfer a title. A loan is a legal contract between you and your lender, and your son would need to qualify on his own merits—credit score, income, debt-to-income ratio—for the lender to agree to any change. Most lenders won't simply reassign the debt to someone else without that person going through their own underwriting process. What you're really looking at is either refinancing (your son gets his own loan to pay off yours) or having him take over the car with a new loan in his name. The cleanest path is typically refinancing: your son applies for a new auto loan, gets approved based on his own financial profile, and uses those funds to pay off your existing loan. This gives the original lender their money back and creates a fresh contract with your son's new lender. The car title would eventually transfer to him as well. If your son has limited credit history or lower income, he may face higher rates or need a cosigner—which could be you. Another option is having him assume the loan if your lender allows it, though many modern lenders don't permit this without a full re-qualification that's essentially the same as refinancing anyway. If your son has credit challenges or limited income, Elite Edge specializes in approvals for buyers in tough situations. Text or call (954) 907-2386 on WhatsApp, or use the free 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify to explore what lenders might work for him.

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