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How to transfer a car title Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive financial calculators and tools as well as publishing original and objective content. This allows users to conduct research and evaluate information for no cost and help you make informed financial decisions. Bankrate has agreements with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies who pay us. This compensation could affect how and where products appear on this site, including for instance, the order in which they may be listed within the categories of listing, except where prohibited by law. This applies to our mortgage, home equity and other products for home loans. But this compensation does affect the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offers that may be open to you. Photo_Concepts/Getty Images
3 minutes read. Published on October 11, 2022.
Written by Kellye Guinan. Written by personal and Business Finance contributor Kellye Guinan is a freelance editor and writer with more than five years of experience in personal finance. She is also an employee full-time at her local library where she assists her community access information about financial literacy, in addition to other topics. Edited by Helen Wilbers Edited by Helen Wilbers has been editing for Bankrate since the end of 2022. He believes in clear reports that help readers easily get deals and make most appropriate choices regarding their money. He specializes in small and auto loans. The Bankrate promise
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We are compensated for the placement of sponsored products and, services, or through you clicking certain links posted on our website. So, this compensation can affect the way, location and when the items appear in listing categories, except where the law prohibits it for our mortgage home equity, mortgage and other home loan products. Other elements, like our own proprietary website rules and whether the product is offered in your area or at your personal credit score can also impact the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include specific information on every financial or credit item or product. If you are currently selling, one of the most important actions is to transfer the car title. It's legal document that states the owner of the vehicle. The laws and regulations regarding title transfers differ by state. The process and paperwork are generally simple, but make sure to check with your state's department of motor vehicles for requirements specific to your state. How to transfer a car title as a buyer As the new vehicle owner, it is essential to finish the paperwork as soon as possible. There is no legal title to the vehicle until you have the title transferred by working with the seller to allow the transfer to occur. This usually follows some specific steps. Confirm that the buyer is actually the legal owner Check the VIN and ownership documents to make sure you're not buying the vehicle from a . Also, take note of the odometer reading when you purchase the car. Transfer of title by seller: The vehicle's seller must transfer title to your name after signing the release and then transferring the title to your name. Check if liens have been cleared: If the seller has an outstanding loan for the automobile, that lien needs to be cleared. A statement from the lender stating that the loan was paidor simply checking to see if the title is listed as lien-free with the DMV -- should be sufficient. Get new title: After the owner signs off on the title and any outstanding liens are cleared, head to the DMV to obtain a new title issued under your name. The temporary title can be issued many instances, the DMV can issue a temporary title and mail the final title within a few weeks. Transferring your title is easier if you choose to buy from a dealer. A majority of dealers will handle the process for you. However, if you decide to do it yourself, it's your responsibility and that of the seller to ensure that the documents are handled properly. How do you transfer a vehicle title as a seller If you , you must transfer the ownership on the other side to the new owner. This is an especially important step as you will still have legal title until the transfer takes place. In the meantime, you'll be held liable for any legal trouble or fees incurred by the vehicle's new driver. You, as the owner of the vehicle have to be the one to sign the old title in order that the buyer can get a new title in their name. To simplify the process take a trip to the DMV with the buyer, and then get the document notarized in the event that your state requires it. If more than one person is listed on the title, it is important to determine if the words between the names that appear on your title are "or" or "and" prior to finalizing the transfer. If it's "and," you will need the other person listed to sign off on the transfer too. to a dealership comes with lesser paperwork, but you will likely make less money through this route. However the dealership will manage the transfer of title for you. There is still a need to confirm the title, but it will be less time-consuming in the end. Transferring the title of a car using the help of a loan The transfer of a car title is fairly straightforward, or could be more complex. If the owner of the vehicle is still paying off an auto loan then the lender is likely to have possession of the title. Contact the lender to confirm that the loan is paid in full so that the buyer is able to . You can then request proof of loan payment to be submitted to the local DMV office so that the title transfer is possible. Documents needed Although the necessary documents differ by state, when the time comes to transfer the title at your DMV then you'll likely require the following documents to complete the sale bill Price of sale Odometer reading Date of sale Insurance information Name and address of the buyer and recipient address. License information Bottom point is that transferring your vehicle's title is the last step in the buying or selling process, therefore it is essential that it's done properly. It is essential that all owners of the vehicle are able to sign the title in order to transfer ownership to the buyer. Also, ensure that all lien holders are cleared to complete the sale properly. Because the rules vary by state, check with the local DMV and contact them ahead of time to ensure you have all required documents prior to going to the office for a new title.
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Written by Personal and business finance Contributor Kellye Guinan is a freelance editor and writer with over five years of experience in personal financial planning. She is also employed full-time at the local library, where she assists people in her community get information about financial literacy, in addition to other subjects. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate since the end of 2022. He believes in transparent reporting that allows readers to successfully get deals and make best choices for their financial situation. He specializes in small and auto loans. Related articles Auto 4 min read Jan 19 2023 Auto 4 minutes read Sep 20 20, 2022 Auto Loans Read 3 minutes August 18 2022. Loans 3 min read June 23, 2022

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