registering an out of state financed car

Submitted by Alive-Comfortable571 t3_127hm3m in massachusetts

hello, i moved from texas a few months ago and am trying like crazy to get my car registered. maybe it’s the situation I’m stuck in that’s complicating things but i’d love to get insight from people on here. my mom used in house financing to lease a vehicle from a car dealership in texas. had that car registered in texas until april 2023 (last month coming up). after moving to massachusetts, i looked up all the required documentation (stamped form, sales tax exemption, registration receipt and proof of identity) and visited an rmv. they rejected to register the car because we didn’t have the original title. the car dealership we got the car from isn’t going to give us the original title until the car is paid up of course. so i tried and walked in at another branch, but they turned us down at the entrance saying the same thing. the car is registered to my mom’s name since it’s a financed purchase so i can’t say it’s a lease because they’d ask for a lien code and all etc. maybe it was those specific branches or i might be explaining the terms wrong, is there anyway i can get this car registered or am i looking for straws here? thanks.

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Stanhy_59 t1_jee9ovr wrote

FWIW get an insurance policy from a local company and they will register the car for you. They can tell you what you need. It makes zero sense that they won’t register a car with a lien on it; millions of people are driving financed cars. Somewhere is a piece of info you haven’t gotten yet. A local insurance agent can do that for you.

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Hoosac_Love t1_jee9r84 wrote

I think if the Texan lean holder faxed the Title to the RMV I think that would solve the problem.

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SmoothSlavperator t1_jeea85s wrote

Massachusetts is funny.

They want your money but they make it as difficult as possible for you to give them money.

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hotspot617 t1_jeeaqve wrote

Did you mean April 2023? The dealership you financed in house with should be able to provide you documentation of the loan agreement with a copy of the title. I think the DMV is getting confused if you're telling them the car is paid off and requesting the original title. In house financing isn't as big of a thing in Massachusetts as it is in the south as far as I know.

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Hoosac_Love t1_jeeb1by wrote

Replying to SmoothSlavperator (#2,524,621)

Here is a bit more expensive,trade in the your car on another car in a MA dealer and they will take care of the paperwork for you.

I do think though if the Texan lien holder faxes the Title to the RMV I'd think that would work

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Hoosac_Love t1_jeecda5 wrote

It says the previous registration from out of state can act as proof of ownership if there is a lien in place.

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bv8ma t1_jeeh76d wrote

Replying to Stanhy_59 (#2,524,440)

I've found our registry makes zero sense anyways. My wife was trying to get her license moved from NH to MA and it was a huge pain, she was rejected twice for not having the right paperwork and the third time she went she brought a page from the registry showing what you can use for proof of address and they still gave her a hard time.

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Hoosac_Love t1_jeejpoh wrote

Replying to Popmuzik412 (#2,526,793)

If that is the case and the address on registry is in Texas and in the mother who is a valid Texes resident.Leave things as is and drive around Massachusets with Texas plates.And if anyone asks just say you are barrowing temporarily from your mom and the car is not yours.Which is esentially true

I don't think MA can can force you to register a car in MA that is not owned,registered and insured by a MA resident.It's a glorified rental car basically!

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majoroutage t1_jeem63i wrote

You don't own the car. Your mother does.

You cannot register it.

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Hoosac_Love t1_jeemn1c wrote

Replying to majoroutage (#2,528,686)

There is nothing stopping him either from driving the car out of state though if it is validly registered and insured by a valid out of state resident.

I used to to deliver pizza in Amherst near UMass and none of the out of state college students used MA plates on the cars their parents lent them.In amherst you see tons of out of state plates.Never heard of it being a problem.

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kitkatklyng t1_jeeqoqv wrote

We are dealing with a similar but more much complicated situation. In many other places, I’m sure in Texas as well, the RMV/DMV electronically pull the title but MA requires the original PHYSICAL copy. I say this with emphasis because we had to fight with our lien holder tooth and nail to get them to send the physical copy to the RMV. Many lien holders, especially ones who don’t regularly do business in MA, will tell you you’re wrong and that it’s all done electronically.

Also, there is a very specific place to send the title. It’s not just your local RMV. Make sure to send to the RMV title office. Another option would be to have your lien holder send the title to your insurance, and the RMV should be able to confirm it with your insurance or something, but I’m not quite aware of how that pathway would play out. Sounds like more steps for things to go wrong.

Good luck and as one Texan transplant to another, Welcome!

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Popmuzik412 t1_jef4b26 wrote

Is it financed or leased? Two different things as far as the RMV is concerned. You also don’t own the car, your mom does or leases it.

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