How to Sell an ATV That Has a Lien

by Michelle Hogan ; Updated July 27, 2017
You must have enough money to clear the title before you can transfer the ATV to someone else.

A lien is basically a guarantee for the person or financial entity that lent you the money for something you wanted to buy. If you have a mortgage on your home, for example, then your bank has a lien on your home until you completely satisfy the loan. Selling an All Terrain Vehicle, or ATV, with a lien is really no different than selling a car or home that has a lien.

Step 1

Find out how much you owe on the ATV. You can do this by looking at your last bank statement and finding your remaining balance or calling the bank directly and getting an updated balance.

Step 2

Look over the ATV thoroughly before listing it for sale. If you still owe money on it, you will want to get enough to at least cover how much you owe. Ensuring your ATV is in proper working condition will allow you to ask for a competitive price.

Step 3

Determine a price for the ATV. Look over other advertisements for similar size and brand ATVs made in the same year. Evaluate how your ATV compares and figure in how much you owe as well.

Step 4

List your ATV on a local classified ad website, in the local paper or in a newsletter for ATV enthusiasts. Ensure that any offer you accept will clear the title for the new owner.

About the Author

Michelle Hogan is a writer and the author of 13 books including the 2005 bestselling memoir, "Without a Net: Middle Class and Homeless (With Kids) in America." Hogan studied English at American University and has been writing professionally since 1998. Her work has appeared in "The New York Times," "Redbook," "Family Circle" and many other publications.

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