Sales Tax

If you are not paying the dealer....what proof do you need you paid anything? RI will probably give you the tax bill when you register it

 

I've done this, but in a different state.
It probably varies, depending on your location.

In my case, I had to take my bill of sale to a local tax office and pay them before they would give me a title or registration.

It's not a big deal, just ask at the DMV or title office (some places it's the same office, other places they are separate.)

you might find some info on your county's website also.

 

the title goes to the dealer, the registration goes to you.

 

In my case, I didn't have a loan, but it should still be pretty much the same.
Unless the bank handles it for you, I would contact them to find out.

It sounds like the dealer isn't handling it because you're out of state. although I'm surprised since it's an adjoining state, where I live the dealers in adjoining states still handle all of this stuff for you.

I believe it has to be titled in the same state that it's registered in.
The title should be in your name, with the bank listed as lienholder.
The bank may hold the title until payoff, but it's still in your name, or the title may be sent to you, this can vary.
When you pay it off they will send you the title(if they held it), along with a lien release as proof you paid it off.
The dealer will NOT hold the title, unless they are financing it directly. (But you mentioned a bank.)

If you have to do it yourself, bring every bit of paperwork you have about the car, including insurance info and info about the bank loan to the title office with you.
The form to apply for your title will have a place to list the lienholder (the bank.)

You can't register it until it's titled, some places do this at the same time.

The first thing I would do is call the bank and ask them how they handle this situation.
If you don't get a good answer, take all of your paperwork to the title office or DMV.
Make sure you have LOTS of free time and be very patient, they should be able to help.

Best of luck

 

I shopped for my mother-in-laws new vehicle in Texas after her husband passed. She lives in an a joining state. The taxes were paid in her state when she registered it and got her plates there.

 

You have to pay tax to the state the car is registered in. I bought a car in Pennsy once and I had to pay the NJ tax.

 

I meant that sometimes in adjoining states the dealer still handles the paperwork, even though you pay tax to your own state.

 

the title has nothing to do with the sales tax.

 

For the OP... so you don't get a surprise. We're you planning to have the taxes financed or included in the loan? It sounds like you arranged your financing outside of the dealer, so yes their contract will indicate a $0. Hopefully you will have extra cash from the loan to pay the taxes.

I did this once out of state and had everything in the dealer arranged loan. Once the deal was done, I was handed a check to take pay for my sales taxes when I applied for tags.

 

Really?
Before they would title my car, I had to show proof that I paid my state's sales tax when I bought a Prius out of state.
So while they are separate things, they ARE related.

And the OP doesn't know where to pay the taxes, I suggested she ask the title office, because they will know.

 

Here are links for you OP, looks like your state does everything in one place, I had to drive to 3 different places in mine, lol/

State of Rhode Island: Division of Motor Vehicles: Sales Tax
State of Rhode Island: Division of Motor Vehicles: New Registration

 

I did this about 10 years ago. Bought a car at Bernardi in Framingham right before moving to Barrington. They delivered the car and I wound up registering and titling it myself. At that point I paid the 6% RI tax directly at the DMV. I remember it taking most of the day - between the killer lines and also an issue with the trade in that affected the tax paid. So when you go be prepared - fully charged phone, all the paperwork, etc.

The other thing that I found out later is that if you want to register the car in Mass you are going to need to have a noterized letter from the salesman who delivers the car or else Mass will try and tax you again. It would be best to check into this requirement now and get a letter. I know that when I tried 3 years after buying the car the salesman was long gone and the dealership was no help - just in case get it now when they still have a reason to help you out.

 

now, i'm the one that's confused. i'm sure princessprius can sort you out. all the best!

 

ha ha bisco
I only know what I know, the rest is just my best guess.

 

I'm confused too, were you at the dealer or the bank?

At the dealer, the only title I've ever signed was for the car I was trading in.
Did you trade a car in?

There is another form, can't get to it right now so I don't know what it's called, that might be what you are referring to.
I think it's a form that requests a transfer of the title, but would have to look at mine to be sure.
Someone else here probably knows.

As far as the title going to the bank or not, as I said before that depends, you need to ask the bank.
It's really no big deal either way, and isn't a detail you should worry about too much at this point.

I just saw on your other post that you are from another country.
In this country, a lot depends on which state you are in, many laws and procedures will vary from one state to another.
I have never lived in Mass or RI, so I can't give you firm answers, you need to ask the professionals where you are.
I have just been trying to point you in the right direction as far as who to ask, having lived in several different states, I know it can be difficult.