Well a lot depends if your state is a lien holding state. Minnesota is not so your titles are shipped out to you, with the Bank as the lien holder. When I have
sold things with a lien, I've simply met the people at the bank, they give me the check - I go into the bank and get the "lien release" form right from the bank.
Othertimes I've actually mailed the lien release form to the new owners...
With the lien release form, and the old owners title saying that the lien is to xyz bank - you'll be able to re-title the
scamp into your name.
I don't see a problem at all with buying a scamp with a lien, just be careful and I would suggest to meet at their bank so you can do the whole process there and get the lien release form from the bank, versus waiting for the seller to mail it.
good luck