How long does it take to get title in texas

When a dealership facilitates a vehicle purchase, the buyer does not need to visit the Department of Motor Vehicles to transfer the vehicle title. All paperwork is handled by the selling dealer. Only sales between private parties require a trip to the DMV.

Cash Purchases

When a buyer pays cash for a new car, the title takes up to 20 business days to process, according to the Texas Department of Motor Vehicles. Time may vary by state and the backlog at the agencies involved. The title lists you as the owner of the vehicle.

Financed Vehicles

Expect a copy of the paper title within approximately 45 days for a financed vehicle. The car is registered to the car owner, but is titled to the bank or financing company administering the loan. You do not receive a title in your name until the loan obligation is complete. After the final payment, the financing company transfers the title to your name.

Receipt

Leave the dealership with receipt of registration and a copy of the title application. Drivers receive a penalty for driving an untitled vehicle. Proper documentation prevents unnecessary fines and impounding.

Depending on what state you live in, you may not get your title until you’ve paid off your auto loan! Here’s the deal with vehicle titles and financing. It doesn’t usually take that long to get your car’s title in the mail after you complete a loan or if you purchase a vehicle in a non-title-holding state.

Getting Your Car Title

All of the other states are title-holding, which means the lender keeps the title until you complete your loan. When you finance a car, the institution that financed the vehicle gets its name on the title as the lienholder. In most states, which are title-holding, they also hold onto the title until you finish the loan.

Once you pay off everything you owe, the lender can remove their name and send you a copy of the title, or issue you a release of lien letter. You can take your release of lien letter to your Department of Motor Vehicles (DMV) or Secretary of State (SOS) to get a clean title with just your name on it. Getting a new title in your name typically takes around 30 days.

Why do most lenders keep the title? Since a financed vehicle is technically the lender’s property until you complete the loan, the title-holding states simply keep the title until the loan is paid off.

A title’s purpose is to show who the legal owner of the property is, and you can’t sell a car legally without a title. Since you can’t sell a financed vehicle without releasing the lien from the title, most states simply have the lender keep the title until the time comes to release the lien or when the owner needs to sell the vehicle.

Your vehicle’s title also has important information on it, such as the vehicle’s identification number (VIN), its mileage at the time of sale, its make and model, and date of manufacture.

Need to trade in a car without the title?

If you need to trade in your vehicle but your lender has the title, no worries, because the dealership can handle it. The dealer contacts the lender and they take care of the transfer of ownership themselves.

If you’re in a non-title-holding state and you simply can’t find the title or it got damaged, you can request a duplicate title from your local DMV or SOS. You usually need your Social Security number, the car’s VIN, and possibly the date of manufacture (which you can find on the vehicle itself). It may take a couple of weeks to get the title in the mail, depending on your home state’s regulations.

How long it takes to process a car title will vary by state. The processing time can range between two to six weeks.

That being said, usually you can expect to get the new title in the mail within two weeks.

If you haven’t completed a title transfer yet, remember to check with your DMV to find out if they require any specific documents. In addition, keep in mind that most states have a deadline to complete the transfer. If you do not meet that deadline, there will be a penalty fee.

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