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How do I remove a co-buyer from my car title?
My boyfriend and I just broke up, and we agreed that I could keep the car. I made pretty much all of the loan payments by myself, anyway. Is there a way to remove him from the car title as a co-buyer?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s never easy to say goodbye, especially when finances are involved.
Before you do anything, contact your bank.
Removing your ex’s name from the vehicle title
is essentially a sale requiring your lender’s permission. If everyone’s on board, the car will pass from the previous owners (you and him) to the new owner (just you). Check how the car title lists both your names to determine how to proceed:
- Co-buyer “AND” co-buyer: You must both sign the back of the title as the seller and then you must sign as the buyer.
- Co-buyer “OR” co-buyer: Your boyfriend must sign the back of the title as the seller, and then you must sign as the buyer.
- Check your state laws to see whether you can mail the bill of sale to the DMV or if you need to make an appointment.
If you want to start fresh with a new bank, you might want to refinance your car entirely. In addition to lowering your interest rate, a new lender can help you close your old loan, transfer the title, and create a new payment schedule.
Whatever you do, good luck, and happy solo driving!
MORE: How to refinance a car
View full answer
- Gregory R.
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