How to Transfer a Car Title

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Your car’s title is an important part of owning your vehicle. When selling, buying, or using your vehicle for a loan, you will have to transfer a car title/ certificate of title. If you are unsure about how to transfer a car title, the process can be fairly simple, however, can vary depending on what kind of transfer you are doing and on the state that you live in

All title issues and transfers, for a new title or a duplicate title, will take place at your local Department of Motor Vehicles (DMV). 

Applying for an auto title loan doesn't have to be stressful! Title loan apply, car title loan apply

How to Transfer a Car Title When Selling or Buying Your Vehicle 

When selling or buying a vehicle as a private party, there will have to be a title transfer. The seller will have to release the ownership of the car by signing the title. The buyer then takes the signed title to the DMV office, and the state issues a new registration and title. 

Depending on the state you live in you will have to have a few documents with you, here are a few examples of the required documents:

  • Completed Vehicle Title Application Form, Signed and Notarized.
  • The Vehicle Identification Number (VIN) number
  • Proof of Car Insurance Coverage.
  • An Existing Title (if Applicable)
  • Insurance Company/Policy Documents with Name and Date.
  • All Vehicle Documents from Seller, Including Bill of Sale
  • The Odometer Reading
  • Vehicle Registration 
  • Driver’s License or Government Issued State ID
  • Required Title Transfer Fees. Additional Fee for Instant Title Transfer (In Applicable States).

What Happens When Buying or Selling with A Dealership?

When selling to a dealership you will just have to provide them with the necessary documents, and they can do the rest. 

When buying a car from a dealership, the dealer handles the paperwork and you usually receive the vehicle title from your state’s DMV in the mail.

Transferring Your Car Title with An Auto Title Loan 

A car title loan is a type of loan which uses a vehicle as collateral. 

When a title loan is taken out, the lender will add a lien to the vehicle title. After handing over the car’s title, the lender will take care of the title transfer. 

When the loan is paid back in full, the lender will provide you with a lien release, which you can attach to your paper title, or the lender will send a lien release electronically. 

Once that is done, you can head to your local DMV to get a new title printed. 

When Will Not Be Able to Conduct A Title Transfer? 

Whoever’s name is on the car’s title will be the legal vehicle owner. This means that in order to sell your vehicle or use it for a loan, your name needs to be on the title in order to provide proof of ownership. And so, a transfer ownership to the new owner must be done to provide proper ownership of the vehicle. This is true even if the previous owner is a family member or spouse.

There are going to be a few scenarios in which you won’t be able to sell your vehicle or use it for a loan: 

If there is a different name on the car’s title the title must be transferred from the previous owner to you. 

If, however, there’s also a bank or financial institution’s name on the title (referred to as a “lienholder”), this means you have an auto loan that has to be settled before you can sell. 

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Why Work with Max Cash Title Loans for a Loan? 

If you are ready to apply for a car title loan, start with experts at Max Cash Title Loans. At Max Cash Title Loans, we make it easy to connect with auto title loan lenders all across the country. 

Instead of being a lender ourselves, we connect people with lenders. And because of the way that we operate we can offer you with all kinds of unique benefits. Here are a few: 

  • Low monthly payments– all the lenders that we work with offer low monthly payments, and so you don’t have to worry about a huge payment each month.
  • Competitive interest — the interest rates are highly competitive.4 
  • No pre-payment penalties — you can pay off your title loan before the due date without any fees or penalties.3 
  • No hidden fees — there are never any hidden fees with car title loan.3 
  • A 3-step simple process — from beginning to end, the entire process involves just a few simple steps. 

In addition to all that, we can help you with the title transfer process, even if you have an existing car title loan lender on your car’s title. 

To learn more about Max Cash Title Loans, the process, and the lenders that we work with check out our FAQ page. To get started, simply head to our website and apply for an online car title loan, or give us a call at (855) 561-5626. Once approved for a title loan the funds can be made available in as little as 24 hours.1 2 5