<human>: Can you condense the text into three sentences or less?

Backstory: I was living at home with my parents when my first car (a lemon I drove for 5 years) broke down for good and I needed something else. I didn't have savings to buy a used car in full so my stepdad signed a loan for me to get a new car. I'm working full time so the payments are not an issue. However, since getting the car, my mom and stepdad have divorced and he's not exactly a cheerful/understanding guy. He wants the car loan out of his name because I guess he's afraid I'll stop paying for it. There is no chance at all that I would stop making payments however because I rely on my car to get me to work. I have about $9,900 left to pay on the car so I started applying for loans via banks. I was denied by Wells Fargo and one other bank. I was approved by Capital One but it was for a new car - a "blank check" thing they do. When I explained that it was more like a re-finance, they told me the blank check wouldn't be useful. 

My stepfather has the insurance and registration in his name. I need to get a loan in my name to get the title signed over to me. So I'm wondering what my best options are? The loans denied me for lack of a credit history (I only have one small credit card) and for amount due on accounts (student loans). My credit score is decent, right around 700 and I'm a member of a credit union. I'm wondering if getting a loan through the credit union (1.99%) will be my best option or if reddit knows of any better ways to handle the situation? Talking to my stepfather is not an option, he's been leaving borderline threatening messages but I won't get into that story. Suggestions?
<bot>: Car in my stepdad's name has $9,900 left due and I need a loan in my name. What are my options?