Who you pay depends whether there's a lien on the car (or you could pay the owner who then pays the bank).
But yes, your bank makes out a check to whomever & you go get the car.
How you get there depends on you. I thought it would be neat to buy a car & then take a road trip, so when I bought my Evo, I flew to Las Vegas & drove it 1500 miles home.
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