Financed Car Shipping
Ship your financed or leased vehicle — no payoff, no lienholder letter, no extra cost. Door-to-door, all 50 states.
Overview
Can You Ship a Financed or Leased Car?
Yes — and it's simpler than most people expect.
A financed car ships exactly like any other vehicle with Navi. There is no extra cost, no special paperwork required from us, and no difference in the process. The driver just needs the keys at pickup. Your loan status does not affect how we handle the shipment.
We recommend checking your own loan or lease agreement — some lenders include relocation clauses that require you to notify them before moving the vehicle across state lines. That is between you and your lender. From Navi's side, the process is identical to any standard shipment.
Requirements
What You Need vs What You Don't
| Financed Vehicle | Leased Vehicle | |
|---|---|---|
| Keys required by Navi | Yes | Yes |
| Extra cost vs standard | No extra cost | No extra cost |
| Lienholder letter required by Navi | Not required | Not required |
| Loan payoff required | Not required | Not required |
| Check own loan/lease terms | Recommended | Recommended |
Best For
Who Needs Financed Car Shipping?
Anyone moving with a vehicle they don't fully own yet
Job Relocation
The most common reason we ship financed cars. Starting a new job in another state means the car needs to come with you — loan or not.
New Home Purchase
Buying a house in another state and moving your life — financed car and all. We ship it while you handle everything else.
Military PCS Moves
Most military members have financed vehicles. PCS orders require relocation — the car comes with the move regardless of loan status.
College Students & Families
Shipping a leased or financed car between home and college is common — and simpler than most people expect. No payoff required.
The Process
How Financed Car Shipping Works
Same 4-step process as any other vehicle — no extra complexity
Get Your Quote
Enter pickup and delivery ZIP codes and vehicle details. Real price in 60 seconds — same rate as any standard vehicle.
Book Your Shipment
No extra documentation needed from us. We recommend reviewing your loan or lease agreement for any lender-specific requirements before pickup.
Carrier Pickup
Driver arrives, documents vehicle condition with photos, and loads. All they need is the keys. Average pickup in 1–3 days.
Delivery & Inspection
Driver calls ahead, you inspect together, sign the Bill of Lading. Vehicle arrives in the same condition it left.
Pricing
How Much Does Financed Car Shipping Cost?
Same price as any other vehicle — your loan status doesn't affect the rate.
Want an exact number? Use our instant calculator →
Why It Matters
Why Ship Instead of Drive?
Especially important when your vehicle still has a lien on it
Protects Lender's Investment
Professional transport eliminates the risk of accident or damage that could complicate your loan or lease agreement.
Avoids Mileage Penalties
Leased vehicles have mileage limits. A 2,000-mile cross-country drive could cost you hundreds in overage fees — shipping adds zero miles.
Fully Insured Transport
Every shipment includes the carrier's cargo insurance. Vehicle condition is documented at pickup and delivery on the Bill of Lading.
Wear & Tear Stays Low
Lease return condition matters. Shipping keeps wear minimal — no road damage, no tire wear, no risk of lease-end charges from a long drive.
Ready to ship your financed or leased vehicle?
Avg Pickup: 1–3 Days · All 50 states covered · No upfront payment
(302) 278-4298 Get a Free QuoteFAQ
Financed Car Shipping — Common Questions
Everything you need to know before you book
Can you ship a car that is still financed?
Yes — financed cars ship exactly like any other vehicle. There is no difference in the process, no extra paperwork required from us, and no extra cost. The driver only needs the keys at pickup.
Do I need a lienholder authorization letter to ship my financed car?
No. Navi Auto Transport does not require a lienholder authorization letter. The driver just needs the vehicle keys. However, we recommend reviewing your own loan agreement — some lenders include relocation clauses that require you to notify them before moving the vehicle across state lines. That is between you and your lender, not a requirement from us.
Does shipping a financed vehicle cost more?
No. There is no extra charge for financed vehicles. The price is exactly the same as shipping any comparable vehicle on the same route.
Why do most people ship a financed car?
Job relocation and moving to a new home are the most common reasons. When you're moving states for work or buying a house in a new city, driving the car yourself isn't always practical — especially with everything else to manage. Shipping lets you fly or travel separately while we handle the car.
Has Navi ever had issues with a lender complicating a financed car shipment?
No. In our experience shipping financed vehicles is a straightforward process. Lenders are not involved in the actual transport — they don't contact us directly. As long as you have the keys and your account is in good standing, the shipment proceeds like any other.
What documents do I need to ship a financed car?
No special documents are required by Navi. The driver needs the keys at pickup. You do not need to provide your title, loan agreement, or lienholder letter to us. If your lender requires you to notify them before moving the vehicle, handle that directly with them before booking.
Do I need to pay off my car loan before shipping?
No. You do not need to pay off your loan to ship the vehicle. The lender holds a lien on the title but this does not prevent transport. For domestic moves you can ship with no lender involvement at all from Navi's side.
Can you ship a leased car?
Yes. The process is identical to shipping a financed vehicle — the driver needs the keys and nothing else from Navi's side. Check your lease agreement for any lender-specific requirements before booking.
Why should I ship instead of drive my leased car cross-country?
Mileage. Most leases have strict annual mileage caps. A 2,500-mile cross-country drive can easily cost $500–$1,000 in excess mileage charges at lease return. Shipping adds zero miles and typically costs less than those penalties.
Reviewed by: Ivan Karakostov, CEO, Navi Auto Transport — 10+ years of auto transport industry experience.
Last updated: May 16, 2026 · MC: 1646663 · DOT: 4248916