Can a pay day title loan company transfer the car title to a buyer that will pay off the loan if the owner is deceased?

Probably not, review the loan agreement. The closest relative (i.e. parents) may need to do an Affidavit at DMV or a set aside with the Court depending upon value. This is opinion is solely based upon the facts presented in the inquiry. Additional facts may be important and may change the analysis. If you are uncertain, seek legal counsel. We are not your attorneys. This answer is being offered to assist you in determining if you need to retain legal counsel to assist you, not to resolve your issue through an email inquiry.