How to Register a Vehicle With a Lien Holder in Missouri
Many people obtain financing in order to purchase a vehicle. In Missouri, if you have a lien on your vehicle for any reason, the process for registering, or titling, the vehicle is essentially same as when you have a clear title. The lien holder will fill out the section on the certificate for title where liens are recorded before giving you the document. By filling out the lien holder section, the lien becomes part of the title to the vehicle when you register the vehicle thereby protecting the lien holder's interest.
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Things You'll Need
- Application
- Certificate of Title
- Odometer statement
- Insurance information
- Tax receipt
Instructions
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1
Schedule and inspection of the vehicle, if required. If another state or country issued the current title, you must take the vehicle to an authorized inspection station to have the identification number and odometer reading verified.
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Gather the other documents you will need. You will need the certificate of title, that the seller provided to you. The certificate of title will also indicate who the lien holder is and the amount of the lien. If the certificate of title does not have a space for the odometer information, then you must also have the seller complete an odometer disclosure statement.
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Download and complete the application for Missouri title and license.
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Obtain a paid personal property receipt or a statement showing you were not assessed taxes by your county of residence.
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Bring all the required documents, application and insurance information to the Missouri Department of Revenue office closest to you. Fees will apply which will vary depending on the purchase price or value of the vehicle.
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Tips & Warnings
If the vehicle is coming from another state where an active lien is attached, you need to get the title from the lien holder and register it in Missouri. Missouri will record the lien on the new Missouri title.
You may wish to call ahead to determine your fees as they can vary depending on the value of the vehicle and the county of residence.
