Be careful as many of the common vehicle donation charities get only pennies on the dollar from an auction sale. How it works is the commercial charity promotion company will pick up the unit and get title (your bank won't release title until it is paid off) and then will arrange to auction off the vehicle. The promotion company keeps a large portion (sometimes up to 80% - 90%) and cuts a check to the charity for the leftover amount. If you still have a loan and you can't afford to pay it off you will be unable to donate it anyway because most places want clear title anyway. You are better off selling it yourself and if you like donating the amount over the loan balance directly to a charity.