Who has rights to a vehicle in divorce if there is still money owed on it?

In a divorce, the rights to a vehicle that has an outstanding loan typically depend on the laws of the jurisdiction and how the vehicle was acquired. Generally, if the vehicle was purchased during the marriage, it may be considered marital property, and both spouses may have rights to it, regardless of who is the primary borrower or titleholder. The couple may need to negotiate who retains the vehicle and how the loan will be handled, often factoring in the remaining balance owed. Ultimately, a court may decide based on equitable distribution principles or the specific circumstances of the case.