Want to buy car owner still owes on it

It can be done, once you and the owner have agreed on a price including what is owed, both you and the owner have to go where it is financed and you pay the finance company what he owes them to clear the title, then any extra you two have agreed on so then he can sign the title off to you. It is best to do this in full view of the finance company so there is not chance of any scamming. A bill of sale is nice to have also. Remember you must transfer title right away into your name.