I dont think there would be much difference because sefcu isnt just gonna go on the people changing over the loan’s word and change the name in the loan without checking person B’s credit anyways. So really its kind of the same thing. For him to get an auto loan on the car tho might be tough because i know sefcu only gives an auto loan on stuff 98 or newer or something along those lines, so he could use the car as collateral for the personal loan, right?