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No need to change name to pay off. Need to change titleship with proof of death and a Judges determination that it goes to you if you intend to reregister it. The other way to gain ownership is to do an "abandonment" process. This varies from state to state. Contact the DMV in your state, they will help.

You can also turn the car in with NO further costs by presenting the Certificate of Death. Call the loan company and explain the situation but DO NOT accept any answer that costs ANY money. All you will have to do is present documentation, sign some paperwork and walk away.

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Q: If car loan is under sole name and that person has died can the title be changed so that it can be paid off?
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