I've sold a lot of cars with liens on them. The easiest way is to bring cash (yes I've done cash transactions for $100K before). If the car you are buying still has a lien, your bank can set up a power of attorney to secure the title during the transaction, virtually eliminating the risk of a person trying to take money and run. The bank is held liable for the transaction at that point. It's a little bit longer process but it's not that bad.