[LakeCleElum]

Have him show you his Drivers license, the title and the registration. The title should list the bank as the Legal owner and him the registered owner.

If that matches, tell him you and he will go to the bank and you will pay off the loan directly to the bank. Don't agree to meet him somewhere with cash on you.

I've done it before this way, but I was dealing buying a motorcycle from a priest in a small town.