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
5 steps to buy a car in another state
Click on the sections below to learn what an interstate car purchase takes.
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
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