A common question we receive, at TFC Title Loans, is “how to get a title loan with the title not in my name?” This can be a tricky question because the title does in fact need to be in your name but just because it isn’t currently doesn’t mean you can’t correct the title to be in your name. For the past 25 years, we have been helping our customers with the title transfer process at the DMV so that they can be free to apply for a loan with us.
Reasons You Might Need a Title Transfer
You are able to transfer ownership of a vehicle on the title through the Department of Motor Vehicles (DMV). The DMV usually wants you to transfer the title within ten days or so of the vehicle transaction but if you have forgotten, TFC Title Loans can help you through the process so you can apply for a title loan on your vehicle. When you complete the transfer process with the DMV, it not only modifies your title but changes the DMV’s official records which will help avoid any legal confusion in the future. The process is different depending on which state you are in so we will provide links to state-specific instructions for the main three states we service currently. If you live outside of California, Arizona, and New Mexico then you can find the requirements for your state by going to the DMV’s website.
The California DMV requires that the vehicle in question must pass a smog check, unless it is exempt. You will need to take various ownership documents to your local DMV office and pay a fifteen-dollar vehicle title transfer fee with taxes. Go to this page for more extensive instructions specific to your situation.
The New Mexico DMV requires that you obtain an odometer disclosure from the seller or person who gifted the car and, in some cases, get the car inspected for emissions. Then gather proof of identity, residency, and car insurance and bring all of the paperwork to your local DMV office. Go to this page for more extensive instructions specific to your situation.
The Arizona DMV requires that you go with the buyer/seller to a DMV title transfer office to complete the title and registration application, otherwise known as Form 96-0236. You will need to pay a four-dollar fee along with any registration fees and taxes. Go to this page for more extensive instructions specific to your situation.
Even if your name is on the title there might still be a lienholder that needs to be removed. Usually the lien release is signed by the lienholder and mailed to you. After you receive the lien release, make an appointment with your local DMV office to submit the release, complete a vehicle transfer application, and pay the transfer fee.
This situation calls for you as well as the family member on the title to sign certain sections of the title. This is only in the event that the family member either sold the vehicle to you, or that you were given the vehicle as a gift.
In the event that you have lost the title to your vehicle, you can apply for a duplicate title using a document called a 227 form. This document will need to be signed and notarized. This document can act in place of the title in the event that the title has been lost or stolen.
If you have any more questions in regards to the title transfer process, we would love to answer them. If you are interested in getting a title loan with us, then give us a call today or fill out our online application. We would be thrilled to hear from you!
Ever since we opened our doors in 1994, we have gone the extra mile for our customers. We go above and beyond for our customers by helping them through any roadblock they might face. It can be frustrating to find out your name isn’t on the title of the vehicle you own especially when you need money from a title loan. We can walk you through the process of a title transfer if you don’t know what to do.
With our second-to-none customer service we have drawn thousands of customers to get title loans with us. It’s a priority of ours to make sure you understand how your title works in relation to your ownership of your vehicle. To learn more please continue reading. If you feel that you are ready to get started, then fill out our application or call today!