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Sprintboy, even though you may not be able to go to the credit union, you should at least call them and see if they can work with you and their member in some way. Don't expect to be able to take over the loan, as they couldn't do that for a non-member in any case, but I assume you're prepared to pay cash in full anyway so that part shouldn't be a problem.
The normal practice when you're buying from someone who still owes on a note is to execute a bill of sale that specifies each party's responsibilities in the transaction. That works OK if you and the other person live close enough that you can nudge him (if necessary) to do his part at the agreed-upon time and circumstances. Even though it'd be an added expense, you might want to have a lawyer draw up the bill of sale, to be sure that it is fully enforceable if the other guy tries to weasel out after getting your money.
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John
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