What is the difference car owner and title holder?

A car owner is the person who has the right to use and control the vehicle, typically indicated by their name on the registration. The title holder, however, is the individual or entity listed on the vehicle's title, which legally proves ownership. In some cases, these roles may differ; for example, a car could be financed, where the lender holds the title until the loan is paid off, even though the borrower is the owner. Thus, while the owner drives and uses the car, the title holder has legal claim to it until any outstanding obligations are fulfilled.