Auto

Dealer Purchase

If you purchased your vehicle from a dealer, they may complete your registration paperwork and send to your local DMV. The DMV will then register the vehicle in your name, issue license plates, and send the lien-recorded title to Democracy FCU.

If there’s a delay in receiving the title, contact your dealer to confirm they’ve submitted the necessary paperwork to the DMV. If they already have, contact your state DMV to resolve.

Private Purchase

If you purchased your vehicle from a private seller or are titling the vehicle yourself, most states require you to take the title, bill of sale and a copy of your loan security agreement to your local DMV. Check with your state DMV for any other requirements (e.g., proof of emission testing or insurance coverage). Once the DMV has the necessary documents, the DMV will then register the vehicle in your name, issue license plates and send the lien-recorded title to Democracy FCU.

Refinance From Another Financial Institution

If you refinanced from another financial institution, verify with them that the title was mailed to Democracy FCU. Once Democracy FCU receives the title, we will mail the required paperwork, if any, to your address on file to apply for a lien-recorded title. Democracy FCU will debit the DMV titling fees from your account and submit to the DMV on your behalf.

Lease Buy Out

If you purchased your leased vehicle, verify with the leasing company or dealership that the title was mailed to Democracy FCU. In some cases, the vehicle titling may have to be completed by you. Verify with the leasing company or dealership the steps required to complete the titling of the vehicle.