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Used Cars for Sale by Owner in New Jersey


2016 HONDA Pilot
icon Iselin, NJ · 183,500 miles
icon Low mileage
2018 LEXUS IS
icon East Rutherford, NJ · 21,224 miles

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icon
icon Low mileage
2007 Honda Ridgeline
icon Metuchen, NJ · 109,245 miles
icon Good Deal
icon Low mileage
2012 AUDI A5
icon Penns Grove, NJ · 67,020 miles
icon Low mileage
2007 Jeep Wrangler
icon Nutley, NJ · 155,000 miles

Frequently Asked Questions

FAQs about Cars for Sale by Owner

How do I properly handle the title transfer in New Jersey? toggle

When buying a car from a private seller in New Jersey, you must obtain the original Certificate of Title. The seller must fill out the back of the title, including the date of sale, the purchase price, and the current odometer reading. As the buyer, you must also provide your driver's license number, name, and address. Both the seller and buyer must sign the back of the title. Ensure the seller's name on their ID matches the name printed on the front of the title.

Are vehicle inspections required in New Jersey? toggle

Yes. New Jersey requires vehicles to pass an emissions inspection every two years. When you purchase a used car, the inspection sticker on the windshield remains valid until its expiration date. You are responsible for getting the vehicle inspected before that date. Safety inspections are no longer required for most passenger vehicles.

Is a bill of sale required for a private car sale in New Jersey? toggle

While a properly completed title is the main legal document, a bill of sale is highly recommended. The New Jersey Motor Vehicle Commission (NJMVC) may require it to verify the purchase price, especially if it seems unusually low. A bill of sale should include the vehicle’s VIN, year, make, and model, the purchase price, date of sale, and the names and signatures of both the buyer and seller.

What taxes and fees will I have to pay in New Jersey? toggle

You will be required to pay a 6.625% state sales tax on the purchase price of the vehicle. This tax is paid directly to the NJMVC when you title the vehicle, not to the seller. If you paid less than fair market value, the NJMVC might require additional documentation to justify the price. You will also pay separate fees for the title transfer and vehicle registration.

How do I verify ownership and check for liens on the title? toggle

Check the front of the title for any listed lienholders. If a bank or credit union is listed, the seller must provide you with a lien release letter from that financial institution proving the loan has been paid in full. Without this document, the NJMVC will not issue a clean title in your name.

What documents do I need to bring to the NJMVC? toggle

To complete the title transfer and registration, you will need to bring the following:
The original New Jersey title, signed by both the seller and you, with the purchase price listed.
Your valid New Jersey driver's license.
Proof of current New Jersey liability insurance.
A completed Universal Title Application (Form OS/SS-UTA).
Payment for the 6.625% sales tax, title, and registration fees.

New Jersey Buyer Guide: How to Purchase from Private Sellers with Ease.

Navigate New Jersey's Private Car Market: Documents, Inspections, and Safety Tips.

View NJ Guide