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When buying a car from a private seller in New York, you must obtain the original title certificate (MV-999). The seller must sign the "Transfer by Owner" section on the back of the title. Ensure the seller’s name matches the name printed on the front of the title and their driver's license. Check the front of the title for any listed liens; if a lien exists, the seller must provide a "Notice of Recorded Lien" (MV-901) stamped "paid" or a lien release letter from the lender.
This is a critical step in New York. You and the seller must complete the Statement of Transaction – Sale or Gift of Motor Vehicle (Form DTF-802). This form certifies the purchase price for sales tax calculation. You will pay the sales tax at the DMV when you register the vehicle, not to the seller. If the purchase price is significantly lower than fair market value, the DMV may require additional verification or tax you based on the book value.
Yes, the DMV requires a bill of sale. You can use the official DMV Vehicle Bill of Sale (Form MV-912), or a handwritten statement that includes the make, model, year, and Vehicle Identification Number (VIN), date of sale, purchase price, and the names and signatures of both the buyer and seller.
You must visit a NYS DMV office. Bring the signed title, the completed Bill of Sale (MV-912), the Statement of Transaction (DTF-802), proof of NYS insurance (FS-20 card), and your driver’s license. You will complete the Vehicle Registration/Title Application (MV-82), pay the sales tax and fees, and receive your new plates and 10-day inspection extension.
In New York, license plates stay with the seller, not the car. The seller must remove their plates before you take possession. You cannot drive the car home with the seller's plates. You must go to the DMV to register the vehicle and obtain your own plates and registration sticker before driving it legally, or obtain a temporary transport permit if applicable.
From Inspections to Negotiations: Your Guide to Buying Cars Privately in New York.
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