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How to Transfer a Car Title in Pennsylvania

When it comes to buying or selling a vehicle in Pennsylvania, transferring the car title is an essential step in the process. The car title serves as legal proof of ownership, and it’s crucial to complete the transfer correctly to ensure a smooth transition of ownership. In this blog post, we’ll walk you through the steps involved in transferring a car title in Pennsylvania.

Before we get started, PennDOT, the Pennsylvania Department of Transportation, recommends that both the buyer and the seller visit the local DMV office together to ensure the title application is completed accurately. This way, any questions or concerns can be addressed promptly, the process can be expedited, and both parties can leave the transaction with peace of mind knowing the transfer was completed properly. 

Step 1: Gather Required Documents

Before heading to the DMV, it’s essential to gather the necessary documents to transfer the car title. You’ll need to provide one of the following as acceptable proof of ownership:

  • Manufacturer Certificate/Statement of Origin (MCO or MSO)
  • Pennsylvania Certificate of Title
  • Certificate of Title from out of state
  • Certificate of Salvage
  • Court order

In addition to proof of ownership, you’ll also need to bring the following documents:

  • Copy of your Pennsylvania driver’s license.
  • Auto insurance card.
  • Affidavit of Gift (MV-13ST) (if applicable). If the vehicle was a gift, you’ll need to complete this affidavit to provide the necessary details.
  • VIN Verification (for out-of-state vehicles). If the vehicle is from another state, you’ll need to have the vehicle identification number (VIN) verified.

Step 2: Visit the DMV and Complete the Title Transfer

Once you have all the required documents, head to your nearest DMV office. Upon arrival, you’ll need to provide the necessary documents to the title agent. The title agent will assist you in transferring the title into the buyer’s name.

During the transaction, the buyer will need to complete the Pennsylvania state title application form (MV-1) with the assistance of the title agent. It’s important to note that this form can only be completed with a title agent present and cannot be downloaded online. The title agent will guide you through the process and ensure that all the information is accurately recorded.

Step 3: Pay the Required Fees

As part of the title transfer process, certain fees are involved, such as title fees, registration fees, and sales tax. The amount of these fees may vary based on factors such as the type of vehicle and its value. The title agent will provide you with the details regarding the fees and guide you on how to make the payment.

Step 4: Receive the New Title

Once the title transfer process is complete and all the fees have been paid, the title agent will provide the buyer with the new title. This new title will reflect the change in ownership and serve as proof that the vehicle now belongs to the buyer.

By following these steps and completing the car title transfer process accurately, you can ensure a smooth transition of ownership and comply with the legal requirements in Pennsylvania. Remember, it’s always a good idea to consult the official PennDOT website or visit a local DMV office for the most up-to-date information and any specific requirements that may apply to your situation.

For more information on transferring a title in Pennsylvania, visit their website here.

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How to Transfer a Car Title in New York

If you’re planning to buy or sell a car in New York, it’s essential to understand the process of transferring the car title. The title transfer officially establishes the change of ownership. In New York, the steps for transferring a car title differ based on the vehicle’s model year. In this guide, we’ll focus on cars manufactured in 1973 and newer. Let’s explore the process step by step.

Step 1: Gather the Required Documents

To initiate the title transfer, ensure you have the necessary documents ready. You’ll need to provide one of the following documents:

  • The original New York title certificate
  • The original title certificate from another state

Step 2: Seller’s Responsibilities

As the seller, you have specific obligations during the title transfer process. You must record the name of the buyer and sign the title transfer section on the back of the title certificate. However, if the out-of-state title certificate is from Alaska, Arizona, Hawaii, Kentucky, Louisiana, Mississippi, Montana, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, Washington, Wyoming, or Puerto Rico, the seller’s signature must be notarized.

Additionally, the seller should sign the Vehicle Bill of Sale (MV-912). If the vehicle is a gift, the seller must complete section 6 on page 2 of the Statement of Transaction – Sale or Gift of Motor Vehicle, Trailer, All-Terrain Vehicle, Vessel, or Snowmobile (DTF-802). It’s crucial to note that the seller must transfer the title into their name before signing it over to the new buyer. Title jumping, where the seller doesn’t transfer the title assigned to them and assigns it to someone else, is a federal crime.

For vehicles with a model year of 20 years old or newer, the seller must complete the Odometer Disclosure Statement on the back of the title. Regardless of the vehicle’s age, a Damage Disclosure Statement on the back of the title certificate is required for all vehicle transfers.

Step 3: Buyer’s Responsibilities

As the buyer, your primary responsibility is to ensure that the seller completes the necessary steps mentioned above. Verify that the title transfer section is signed by the seller and, if required, notarized.

Step 4: Visit the DMV Office

To complete the title transfer, visit a local Department of Motor Vehicles (DMV) office. Bring all the required documents, including the signed title certificate, completed Vehicle Bill of Sale, and other relevant forms. It’s advisable to make an appointment beforehand to save time.

Step 5: Pay the Applicable Fees

During the title transfer process, you’ll need to pay the necessary fees. These fees typically include a title fee, registration fee, sales tax, and any other relevant charges. The DMV accepts various payment methods such as cash, check, or credit card. Confirm the accepted payment options at your specific DMV office.

Step 6: Receive the New Title

After completing the title transfer process and paying the fees, the DMV will provide you with a new title certificate in the buyer’s name. The new title will be mailed to the address provided on the application form.

Transferring Titles for 1972 or Older Vehicles

If you’re dealing with a vehicle manufactured in 1972 or older, New York does not issue title certificates. Instead, the DMV issues a NY State Transferable Registration. To transfer ownership, use the transferable registration and a bill of sale. Ensure that the registration document is labeled “transferable” on the front. The seller, whose name appears on the front, must sign the back of the registration document.

It’s important to remember that the information provided in this blog serves as a general guide, and specific requirements and procedures may vary. It’s always advisable to consult the official New York DMV website or contact your local DMV office for the most accurate and up-to-date information regarding car title transfers.

By following the proper procedures and fulfilling the necessary obligations, both buyers and sellers can ensure a seamless transfer of a car title in New York, providing legal protection and peace of mind for all parties involved.

For more information about title transfers from the New York DMV, visit their website here.

Expert Automotive Advice At Your Fingertips.

Get expert advice for buying or selling your car with TelAdvice.com. Our team of automotive experts can provide you with tailored advice to navigate the process with confidence. Schedule your consultation today and take the first step towards a stress-free buying or selling experience.

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How to Transfer a Car Title in Ohio

Transferring a car title is essential when buying or selling a vehicle in Ohio. Whether you’re a first-time car buyer or a seasoned owner looking to transfer your vehicle ownership, understanding the necessary requirements is crucial. Ohio’s Bureau of Motor Vehicles (BMV) has established specific guidelines to ensure a smooth and legal car title transfer. This article will explain what documents are required to transfer a car title in Ohio and how to ensure a smooth transfer of ownership.

What is needed to transfer a car title in Ohio?

The seller must complete the assignment of ownership section on the back of the title certificate. Ensure that all information is properly spelled and that the title has no stray marks. Stray marks or damages will result in the title being deemed invalid by the BMV.

If the vehicle was last titled in Ohio, the buyer will need to bring the following items to the title office within 30 days:

  • Properly assigned title from the seller to the buyer
  • Application(s) for Certificate of Title to a Motor Vehicle (form BMV 3774)
  • Lien release or fees for lienholder record (if applicable)
  • Photo ID
  • Payment for sales tax on the purchase price
  • Payment for title fees

If the vehicle was not last titled in Ohio, the buyer will need to bring the following items to the title office within 30 days:

  • Properly assigned out-of-state title certificate
  • Application(s) for Certificate of Title to a Motor Vehicle (form BMV 3774)
  • Lien release or fees for lienholder record (if applicable)
  • Photo ID
  • Out-of-state VIN inspection
  • Payment for title fees

What does a properly assigned title certificate mean?

On the back of every car title that is issued, you’ll find a section to transfer ownership. A properly assigned title is one that has the transfer section completed in its entirety, the sale date is recorded, and the purchase price is clearly stated. 

Sales tax

Upon the transfer of ownership, the buyer must pay sales tax on the vehicle’s purchase price. In addition to documenting the purchase price on the title, consider documenting it on a bill of sale and make a copy for both the buyer and seller to keep for their records. The sales tax amount varies by county; contact your county title office to determine the sales tax rate. 

More than one owner

If more than one owner is to be listed on the title, all parties must be present at the BMV for the transaction unless a notarized power of attorney is obtained. 

Out-of-state VIN inspection

If the vehicle was not last titled in Ohio, it will require an out-of-state VIN inspection before receiving a new title. VIN inspections can be obtained at any Ohio deputy registrar license agency or Ohio licensed motor vehicle dealership. 

Transferring your car title in Ohio doesn’t have to be a hassle. By learning the requirements for the transfer and gathering the proper documentation, you can transfer your car title in Ohio with ease. Remember, in Ohio, car titles are issued by the County Clerk of Courts Title offices. If you have questions about the transfer requirements, reach out to the title office in your county. If it’s your car, you deserve a title in your name.

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No Lien Release Department? No Problem! Your Guide to Resolving Liens with Lenders

For many years, we have discussed obtaining a lien release for a vehicle, even with outstanding debts. We have explored the steps involved in acquiring a lien release, and recent developments regarding a company named American Car Center have brought this topic to the forefront. This underscores the importance of validating the method and suggestions we have been advocating for over a decade on how to ultimately obtain a lien release. 

Now, let us delve into the backstory of American Car Center’s closure and the process of obtaining a lien release.

So, here’s what happened: American Car Center, a sizable dealership organization with approximately 40 or 50 locations across the Southeast, operated by selling cars to customers and providing in-house financing. Essentially, they functioned as a “buy here pay here” lot, where customers financed their purchases through them and made payments directly to them. Once the payments were completed, customers would receive the title for their vehicle.

However, an unfortunate circumstance arose when American Car Center went out of business. This situation gave rise to a multitude of issues concerning outstanding payments, the ownership of the title, and other related complications.

We have been recommending a specific approach for years if you possess a vehicle that has been either charged off or written off and has any uncertainties regarding the title or lien release. Our suggestion is to request a lien release directly from the lien holder. 

However, paying attention to how you initiate this process is crucial. It is not advisable to handle it over the phone or through email, nor should you attempt to resolve it by simply calling them. The most effective course of action is to personally visit the lien holder’s office.

What you want to do is do it in writing in a very specific way. You prepare the document that’s a lien release, print it, mail it to them for signature put a return envelope with the self-addressed envelope. 

And so when this American car center went out of business, a lot of people reached out to the better business bureau. Brian Oglesbee from the Better Business Bureau has provided guidance on this matter. “Customers uncertain whether they should continue making payments have expressed their concerns,” According to the BBB representative, “some customers have fulfilled their payments but have yet to receive the car title.” The BBB advisors recommend that these customers request a release of lien form from the DMV and subsequently send it to the finance company.

Make the process convenient for them by providing a self-addressed stamped envelope, as most companies lack a dedicated department for form completion. This way, you simplify the procedure. Customers can easily send the completed forms back and receive the lien release. It closely aligns with what you previously mentioned. 

We have repeatedly emphasized that most companies lack a specific department for lien releases, and this Better Business Bureau representative has corroborated that. They have confirmed that this approach is the most effective means of obtaining a lien release for your vehicle. Companies may even grant a lien release despite outstanding debts if you approach them correctly.

The controversy surrounding American Car Center is not to be taken lightly; it has evolved into a significant crisis that has jeopardized the titles of tens of thousands of individuals. Therefore, it is imperative to ensure that you make the correct request. Avoid doing it over the phone; certainly, if you are still making payments, it is crucial to continue doing so. However, it is equally important to ask for a lien release. Witnessing the availability of solutions for consumers in such situations is reassuring. Our aim is to prevent any unfortunate outcomes where you may lose both your vehicle and the substantial investment you have made over time.

Don’t let the closure of American Car Center leave you without a title – CarTitles.com can help.

Get peace of mind with CarTitles.com’s step-by-step assistance in obtaining your title and lien release after the closure of American Car Center.

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Will Used Car Prices “Go Back to Normal” Anytime Soon?

So, what is going on with used car prices? Was this recent little blip and drop in price just a head fake, and will it be only a drop in the bucket? If you’re in the market for a used car, now might be the time to buy because they may go up again. You might be expecting used car prices to crash, but here are some big headlines and data behind the scenes that show why that might be the case.

First of all, according to CNBC, there may not be a return to normal for the used vehicle market. There was a decline in price through the end of last year in 2022, but inventories remain low, and the pause in production might make used cars back up on the upswing.

We’re seeing that already used car prices are surging again. This is from March 30th, so whenever you’re watching this, it’s the beginning of 2023. According to the article, it says, “Nice while it lasted for nearly a year.” The average used vehicle price has been edging towards affordability for millions of people. It didn’t crash; it’s edging up slowly. The relief felt belated and slight, but it was welcome. However, the supply of used vehicles is failing to keep up with demand, and prices are creeping up again, with signs pointing to further increases.

Why is that? Well, you’ve got to remember that during 2020 and 2021, new cars were not produced at the same volume as in the past. So now, in 2023, a three-year-old used car is a 2020 model. They hardly made any new cars in 2020. Therefore, the amount and volume of available inventory are meager because we’re going through that dip where new cars weren’t produced at the time. At the same time, the demand for used vehicles is going through the roof. People want to buy used cars. Why is that? Here’s why.

New cars are now at an average transaction price of $50,000. So, the executives at Toyota say we’ll soon be paying $50,000 as the average transaction price for new cars. The average new car transaction price is around $47,480, and it’s only going up. The used car market isn’t going to slow down either. So, many factors are at play that put pressure on used car pricing, pushing them upward. Therefore, if you’re looking for a used car, that may be a problem.

It also comes in at the lower end, in the three or $4,000 range. Let’s take a look. According to one dealer, many customers can’t afford either new or late-model used cars. Some potential buyers he knows are using tax refunds to make ends meet. Used, inexpensive cars are now becoming more of a luxury. The market needs vehicles that are three, four, and $5,000 right now. Behind the vehicle shortage and inflated prices is the principle of supply and demand. It’s elementary, right? Again, they repeat that new cars are priced at $48,000, which is beyond reach for many. This will not make a return to what they call “normal.” Notice “normal” means what it was four or five years ago. That’s history. 

In 2018 or 2019, there were plenty of new cars being produced. You could buy a nice new car for $30,000 to $35,000. And in 2014 or 2015, there were tons of vehicles produced. So, a three-year-old used car was easy to find in 2018, right? If you’re in 2018 and looking for a three-year-old car, 2018 minus three is 2015. In 2015, there were around 12 million to 14 million new cars produced. There were plenty of them around.

Well, now fast forward to 2023. If you go back to three years ago, few cars were produced, and the new cars had a much higher price. So, all these factors are coming together to make finding a good used car for a decent price difficult. Additionally, with the high-interest rates, one of these articles shows that the used car interest rate is now 11%. So, you went from 8% to 11% in one year, and that’s going to have a significant effect on your ultimate car payment.

If you get a three-year-old car, you can get a four-year loan, resulting in a much higher payment than a five-year loan on a new car at 11%. You know, you’re looking at monthly payments of six to $700 for a used car. New vehicles are even worse. New cars are averaging about a thousand dollars a month for the price of a $50,000 car. So, keep this in mind as you’re shopping. And if you know you’re going to need a car in the next couple of years, now might be the time to buy because it’s possible that the prices won’t go any lower and they might start creeping back up.

Expert Automotive Advice At Your Fingertips.

Get expert advice for buying or selling your car with TelAdvice.com. Our team of automotive experts can provide you with tailored advice to navigate the process with confidence. Schedule your consultation today and take the first step towards a stress-free buying or selling experience.

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