There really is no such thing as taking over payments, I have never heard of a car loan that is assumable. There are some people that have probably worked out some sort of scheme, but that's risky on both sides: the seller would have to keep the car in their own name, so if the buyer (you) wrecked the car and hurt someone, they'd still be liable. On the other hand, you could make the payments until the loan is paid off and then they might refuse to give you the car, legally it's still theirs. Work on establishing credit, and perhaps see if perhaps someone in your family might cosign in the short term.
That's known as "sub-letting" and it is illegal in Dalton and many other states.
You can try this website
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