Turns out payment cannot be made at the local branch. You, your finance company, or I will have to send them a certified check. I will pay for the next day air to speed up the process. The wait time is 4 calendar days. If your finance company pays it is only 3 days. I will of course still go to any bank of the purchasers choosing and sign a legal notarized bill of sale. I will provide a full payoff disclosure to the purchaser so they can see what is actually owed on the vehicle ensuring their payment will cover the entire lien amount and no lien will exist on my title. I want both parties to be safe. The car will be given to the purchaser immediately after payment is made.
Here is the table
Receiving Your Title
When a state requirement is specified, the shortest time-frame takes precedence. For example, the title for a New York account paid by personal check will be released in 10 days; if the account is paid by DirectDebit, it will be released in 7 days.
Type of Funds Release Date
3 calendar days Applies to accounts originating in the following states and paid by guaranteed funds:
• Kansas (cash, wire, or intrabank)
• Massachusetts
• New York
• Tennessee
4 calendar days Applies to accounts paid by:
• Bank Official Checks
• Cashiers Checks
• Money Orders
• MoneyGram
• State and Local Government Checks
• Traveler’s Checks
• US Treasury Checks
• Western Union
• Wire Transfers
7 calendar days Applies to accounts paid by:
• Franchise Dealers
• DirectDebit
• Automatic Loan Payment (ALP) program
Applies to accounts in:
• Utah (applies to vehicles traded into Utah dealers, regardless of the state of origination)
10 calendar days Applies to accounts originating in the following states and paid by non-guaranteed funds:
• Kansas
• Massachusetts
• New York
• Tennessee
• North Carolina (upon payor request, the title may be released in 10 days)
15 calendar days Applies to accounts paid by:
• Independent Dealers
• Insurance Checks
• Mortgage Checks
• Personal Checks
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