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Who holds the title on a car loan?

I just started shopping for my first new car today, and I’ve never had to take out a car loan before. But just out of curiosity, who holds the title on a car loan?

Jack Walsh · Updated on Nov 30, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

You must be excited to shop for your first new car, and it’s natural to have many questions! When you have a

, the lender holds the title in 41 states while the borrower holds the title in the nine other states.

If you’re in one of the majority states, you won’t have to worry about your car title. However, if you’re in one of the nine states where the borrower (you) holds the title, keep the title in a secure space such as a safe deposit box or a safe.

Once you find a lender and the car you want, don’t forget that you also need

!

To make finding insurance easy, you should download

. Jerry is an insurance comparison app that shops for low prices with over 50 different insurance companies. Customer save an average of $879 per year!

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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