I refinanced my motorcycle to get a lower APR. But, when they did the paper work, AHFC sent the title to me, instead of the new finance company. The new company wants the title for collateral. What happens if I sell my bike? What can Capital one do? Of course I plan on paying the loan off with the money I get for selling my bike. This is the only chance I'll have to sell my bike without giving the finance company the amount paid in full, which is as you well know, way more than it is worth to anybody wanting a used motorcycle.