How to buy a car in a different state | finder.com
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Guide to purchasing a car in a different state

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Costs and other factors to consider before buying over state lines.

After a long search, you’ve finally found the perfect car. There’s just one problem — it’s in a different state. While buying a car over state lines can be more complicated, it’s not impossible. Just keep in mind that you might be able to get a car loan to cover all of the costs involved.

Can I buy a car in another state?

You can buy a car in another state. However, it’s not as simple as buying a car closer to home and might cost more. You might have to pay extra to:

  • Get your new car home. You can choose to pick up the car yourself or have it shipped to your location, but either way, you’ll need to account for the price of getting your car when setting your budget.
  • Transfer the title and registration. When you bring the car to your state, you’ll have to pay to have the title and registration transferred to you. Some states give a few as 30 days to make this transfer.
  • Be covered by insurance. A new car could come with an increase to your insurance rates. Each state has its own minimum liability, so make sure your car is covered before transporting it.
  • Follow state taxes. You might need to pay your state taxes if you don’t buy your car at a dealer. Depending on the cost of your vehicle, this may be hundreds or thousands of dollars — not usually an amount most people have on hand.

Can I get a loan to buy a car in another state?

Although each lender will have different rules about how the loan is applied, in most cases, you’ll likely be able to use a car or personal loan to purchase a car in a different state. However, extra expenses like the cost of brining it home and extra taxes likely won’t be covered by the loan so make sure you can pay out of pocket before signing up.

Compare loans to buy a car across state lines

Rates last updated November 18th, 2018

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Name Product Product Description Min. Credit Score Term of Loan Requirements
car.Loan.com Car Loans
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
300
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Auto Credit Express Car Loans
Get connected with an auto lender near you, even if you have bad credit.
300
Typically 3 to 6 years
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
LightStream Auto Loans
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Good to excellent credit
Flexible terms
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
RateGenius Auto Loan Refinance
Connect with a network of over 150 lenders to refinance your car loan.
510
Varies
Income of $2,000+/month, vehicle has less than 150,000 miles, no older than 10 model years, loan balance is at least $10,000, debt-to-income ratio: less than 50%.
LendingClub Auto Refinancing
Lower your monthly car payments and save on interest through a fast and easy online application process.
Fair or better credit
Minimum of 2 years
Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
MotoRefi Car Loan Refinancing
A car loan connection service for borrowers looking to refinance.
525
1–6 years
Must have an income of at least $2,000/month and have a vehicle with less than 100,000 miles.
LendingTree Auto Loans
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
Good to excellent credit
Typically 1 to 7 years
Must be a US citizen and 18+ years old. Must have good to excellent credit.

Compare up to 4 providers

    5 steps to buy a car in another state

    Click on the sections below to learn what an interstate car purchase takes.

    Bottom line

    When you find the perfect car, you don’t have to let the fact that it’s in a different state stop you from sealing the deal. There are plenty of ways for you to bring your car home, and you can easily compare your options to find one that suits your needs so you can drive off with the car you really want.

    Frequently asked questions about buying a car interstate

    Image source: Shutterstock

    Kellye Guinan

    Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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