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Loan Title Process

What is a car/vehicle title? 
A car title is a legal document establishing proof of ownership of a vehicle. Issued by the state where the car, truck, RV, ATV or boat was purchased, the title accompanies the vehicle throughout its life. It’s reissued with each new owner and any new state of residence.

Below we've outlined some important information about the vehicle title process.

In-StateTitling Process

Purchased from an Individual

Title transfer can take up to 3 weeks from the date all below documents have been returned to the credit union by the buyer and the seller. Process cannot begin without documents completed by all parties. 

  • Complete and return 2 Power of Attorney forms each for buyers and sellers (2 for buyers, 2 for sellers). All current parties listed on the title and new titleholder will need to complete and return two of this document.
  • Complete and return Odometer Disclosure Form
  • OUCU will mail your new memo title once title transfer is complete.
  • Vehicle registration cannot be completed until all documents are returned and title transfer has been completed. Temporary tags can be requested at the BMV with a copy of your loan documents. 

Purchased from a Dealership 

Title transfer is completed by the dealership. Please contact dealer with specific questions.

  • Dealership will mail your new memo title once title transfer is complete.

Purchasing a Vehicle From Out-of-State and Titling in Ohio

Title transfer can take 3-4 weeks from the date all below documents have been returned to the credit union by the buyer and the seller. Process cannot begin without documents completed by all parties.

  • Complete and return 2 Power Of Attorney forms each for buyers and sellers (2 for buyers, 2 for sellers). All current parties listed on the title and new titleholder will need to complete and return two of this document.
  • Complete and return Odometer Disclosure Form 
  • Out-of-state VIN inspection must be completed 
  • Visit the BMV or local dealership to have a VIN inspection completed. Original document must be submitted to OUCU. 
  • OUCU will mail your new memo title once title transfer is complete.
  • Vehicle registration cannot be completed until all documents are returned and title transfer has been completed. Temporary tags can be requested at the BMV with a copy of your loan documents. 

Titling Your Vehicle in Another State

Vehicle titling is controlled at a state/county level, and requirements will vary based on location. Please reach out to OUCU Financial or your local title agency to complete all necessary documents for title transfer. 

Odometer Disclosure Form         Power of Attorney Form

 

 

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