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Thank you for your post Ham Burglar, what you are describing would be a typical car loan. The bank that you choose to hold your loan would keep the title of your vehicle until you pay it off; however you would make monthly payments on the loan while you drive the vehicle and once you pay the loan in full the bank would send you the title and the car would be yours. If you would like to discuss options for a loan and gain additional information, please contact us at 1-210-531-8722 Monday through Friday 7:30 a.m.-8:00 p.m. or Saturday 9:00 a.m. - 4:00 p.m. and a representative will be happy to assist you. We can even help with purchasing the car through our car buying service and insurance on the vehicle!