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How to transfer a car title Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive tools and financial calculators as well as publishing original and objective content. This allows you to conduct research and compare information for free – so that you can make sound financial decisions. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this website are provided by companies that compensate us. This compensation could affect how and where products are displayed on the site, such as the order in which they appear within the listing categories and other categories, unless prohibited by law for our mortgage, home equity and other home loan products. But this compensation does have no impact on the content we publish or the reviews that you see on this site. We do not cover the universe of companies or financial offers that might be available to you. Photo Concepts/Getty Images
3 min read . Published October 11, 2022
Kellye Guinan Kellye Guinan Written by Personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with more than five years’ experience in personal finance. She also is a full-time worker at her local library where she assists people in her community gain access to information on financial literacy, among other subjects. Edited by Helen Wilbers Edited by Helen Wilbers is editing for Bankrate since the end of 2022. He values clear reporting that helps readers easily find deals and make the most appropriate choices regarding their financial situation. He specializes in auto and small business loans. The Bankrate promise
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You have money questions. Bankrate has the answers. Our experts have been helping you manage your finances for more than four decades. We are constantly striving to give our customers the right advice and tools needed to make it through life’s financial journey. Bankrate adheres to a strict code of conduct policy, which means you can be confident that our content is honest and accurate. Our award-winning editors and reporters provide honest and trustworthy information to assist you in making the right financial choices. Our content produced by our editorial team is objective, factual, and not influenced by our advertisers. We’re honest about the ways we’re in a position to provide quality content, competitive rates and useful tools to our customers by revealing how we earn our money. is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services, or through you clicking specific links on our site. This compensation could impact how, where and when products appear within listing categories, unless prohibited by law for our mortgage or home equity products, as well as other home loan products. Other factors, such as our own website rules and whether or not a product is offered in your area or at your self-selected credit score range may also influence how and where products appear on this site. Although we try to offer a wide range offers, Bankrate does not include details about every financial or credit products or services. If you recently or are in the process of selling your car, one of the most important steps is transferring the car title. It is the legal document that identifies that the vehicle’s owner is. The laws and regulations regarding transfer of title vary from state to state. The process and procedures are typically simple, however, make sure to check with your state’s department of motor vehicles for specific requirements. How do you transfer a car title to a buyer the new owner of the vehicle, it is crucial to complete the paperwork as quickly as you can. There is no legal ownership of the vehicle until you get the new title in order and that means working conjunction with the seller for the transfer to take place. It usually takes the following steps. Verify that the seller is the legitimate owner: Check the vehicle’s VIN and ownership documents to ensure you aren’t buying a . Also, note the odometer reading at the time you buy the vehicle. Seller transfers title: The vehicle’s seller must transfer the title into your name by signing the release and transferring control to you. Ensure liens are cleared: If the seller holds an outstanding loan to the car, the lien has to be resolved. A statement from the lender declaring that the loan has been paidor simply confirming that the title is lien-free with the DMV — is enough. Get new title: After the owner’s signature is approved on the title and all outstanding liens are cleared, go to the DMV for a new title issued in your name. A temporary title is issued in a lot of cases, the DMV will provide temporary titles and then mail the final certificate within a few weeks. Transferring your title is simpler if you choose to buy from a dealership. Most dealerships will handle it for you. But if you want to do it yourself, it’s your responsibility and that of the seller to ensure the paperwork is handled correctly. How to transfer a car title as a seller If you , you must transfer the title over to the purchaser. This is a vital step because you still hold legal ownership until the transfer takes place. Until then, you will be held liable for any legal encumbrances or charges incurred by the vehicle’s new driver. You, as the owner of the vehicle need to confirm the title you have previously signed so that the buyer can obtain an entirely new title in their name. To speed up the process visit the DMV with the buyer, and then get the document notarized if your state requires it. If more than one person is listed on the title, you need verify that the words between the names that appear on your title are “or” or “and” before finalizing the transfer. If it’s “and,” you will require the other named person to approve the transfer too. Transferring to a dealership requires less paperwork, however you will likely make less money by this method. However the dealership will handle the title transfer for you. You will still need to confirm the titlehowever it will take less time in the end. How to transfer an auto title using an loan The transfer of a car title is straightforward, but it can be a bit more complicated. If the owner of the vehicle is still paying off an auto loan, the lender may have ownership of the title. Contact the lender to confirm that the loan is fully paid off so the new owner can . You can then request proof of loan payment to be submitted to your local DMV to ensure that the transfer of title can occur. Documents required Although the requirements for documents are different for each state, when the time comes to transfer at your DMV you’ll most likely require the following documents in order to get the bill of sale The reading of the Odometer for sale date of sale. Insurance details Buyer and recipient’s name and address Information about the license The bottom line Transferring your vehicle title is the final step of the car buying or selling process, therefore it is essential that it’s done properly. Be sure that all the owners of the vehicle are able to sign the title in order to transfer title to buyer. Also, ensure that all lien holders are cleared to properly finalize the sale. Because the rules vary by state, check with the local DMV and contact them ahead of time to ensure you have all of the required documents prior to going to the office for a new title.
Written by personal and business finance contributor Kellye Guinan is a freelance editor and writer with more than five years of experience in personal financial planning. She also is an employee full-time at her local library where she helps people in her community get information about financial literacy, as well as other subjects. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate since the end of 2022. He values transparent reporting that allows readers to confidently land deals and make the best choices for their financial situation. He specializes in small and auto loans. Related Articles Auto 3 min read Jan 19 2023 Auto 4 minutes read Sep 20 and 2022. Loans Read 3 minutes Aug 18, 2022. Auto Loans 3 min read June 23, 2022

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