This is very risky because he can just take your check and not pay for the car loan then disappear. He let you drive the car in the meantime which you are not the legal owner and, without the real owner(bank's) permission, you cannot legally drive the car and be covered under an insurance policy. He said the bank will have a record of your cleared check which does not mean much. If he pays off the car loan and not transfer the title over you will need to sue him to recover your money which will cost you a lot of money, time and headache. Perhaps you can contact the bank who owns the car directly and tell them you want to buy the car and see what they can do for you.

建议你最好，别买这个车。
现在有很多人，来了几年以后要回大陆，就找人成立公司，利用公司名利租赁车，利用公司名义培养信用，然后向银行贷款。贷款拿来以后，就拿钱走人了。
而这辆车，很有可能就是租赁的，每月要付钱的，要不他为什么不能过户呢。你现在要是买到手了，他一回大陆，公司就会欠很多钱，而且由于车没有人再付租金的话，车就会被收回。
你花了钱，到最后，你什么都没剩下。