You don't own the vehicle if you have a loan, the bank has the title. The title holder is the owner. The best part about paying off a financed car, to me anyway, is the day the title shows up in the mail and you actually own your car.
No, the listed owner on the title is the owner, no matter who has possession of the title.
Car loans are secured on a car. If you want to just borrow money with no security you can get a (likely far more expensive) unsecured loan if the bank judges this to be a good risk, or take an overdraft on a current account or use a credit card, all unsecured debt.