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canadagirl89

Importing a car from Canada that has a loan

By canadagirl89 in Canada

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rabbitupyourbutt Newbie

rabbitupyourbutt   0

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Here's a question.

What if one (a US citizen) heads down to the US with the "loaned" car from canada, land a job, then get granted a loan to pay off the car, pay off the balance, then pay off the loan...all while having the unregistered car in the states.

Would this be possible w/o any fees or extra costs?

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Jessieadam Newbie

Jessieadam   0

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On 03/07/2015 at 4:34 PM, canadagirl89 said:

I'm with Scotiabank and I just called the loan department. The guy said that the US customs won't let me import my car if it has a loan on it, then he said that perhaps I could find a US bank that will pay off my Canadian loan.

I'm going to be getting my IR-I visa next week so will be travelling pretty soon. My husband is going to go to a credit union on Monday to ask, but I don't see them giving out a loan to him unless they see the actual paperwork of my car, which they can't see until I get there.

Will CBP give me issues about this? Do I need to have any extra paperwork?

Help?

Hi, just wondering if you were able to bring your car to the US? I am moving in June and I want to take my vehicle with me but it is new so there is a loan still owing. I've been researching info but not a lot of info comes up.

 

Thanks!

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TBoneTX Grand Master

TBoneTX   43,059

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Welcome to the forum.

The OP hasn't logged on here for a full year, so she might not reply.

The other answers here are probably valid.

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Daniel Stang Newbie

Daniel Stang   0

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Hello all, I have the same situation as Canadagirl89. I have a car loan with Scotiabank and would like to take my car with me when moving to the states. Any recommendation? 

 

On 2015-07-03 at 4:34 PM, canadagirl89 said:

I'm with Scotiabank and I just called the loan department. The guy said that the US customs won't let me import my car if it has a loan on it, then he said that perhaps I could find a US bank that will pay off my Canadian loan.

I'm going to be getting my IR-I visa next week so will be travelling pretty soon. My husband is going to go to a credit union on Monday to ask, but I don't see them giving out a loan to him unless they see the actual paperwork of my car, which they can't see until I get there.

Will CBP give me issues about this? Do I need to have any extra paperwork?

Help?

 

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canadagirl89 Contributor

canadagirl89   8

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17 minutes ago, Daniel Stang said:

Hello all, I have the same situation as Canadagirl89. I have a car loan with Scotiabank and would like to take my car with me when moving to the states. Any recommendation? 

 

 

Hi Daniel, 

 

I finally was able to import my car, I went to the local credit union where I was living in the states and they "bought out" my car. They opened a car loan for me for the price of the Scotiabank loan and they wrote me a check which I mailed to Scotiabank. Then when it was confirmed paid off I traveled up there (my car was staying with a friend) and brought it back. I did have to get a letter from the manufacturer of the car though saying it met US department of transportation. It was with Ford and I had to call around cause many of the dealerships didn't even know what I was talking about. 

 

Good luck! 

2015

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NikLR Grand Master

NikLR   13,220

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14 minutes ago, canadagirl89 said:

Hi Daniel, 

 

I finally was able to import my car, I went to the local credit union where I was living in the states and they "bought out" my car. They opened a car loan for me for the price of the Scotiabank loan and they wrote me a check which I mailed to Scotiabank. Then when it was confirmed paid off I traveled up there (my car was staying with a friend) and brought it back. I did have to get a letter from the manufacturer of the car though saying it met US department of transportation. It was with Ford and I had to call around cause many of the dealerships didn't even know what I was talking about. 

 

Good luck! 

I thought that may be the route you were going to go.  I'm glad you found an option for you!  Obviously this doesn't work as well with K1 visas since you only have a year to import the car after you enter and you can't work or travel without EAD/AP which is taking about 6 months.  BUT it's doable if you're quick about getting married and filing AOS. 

You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.  - Dr. Seuss

 

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Daniel Stang Newbie

Daniel Stang   0

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Thank you Both @canadagirl89 and @NikLR for your prompt response.

Like @NikLR mentioned this would be more challenging for a K1 visa applicant which is my case due to timing., I will contact with Scotiabank again this week and see the options they give me. Another alternative I am thinking but have not done much research yet is talking to TD or RBC since they have a program called cross-border banking where they use your Canadian credit score to give credit cards and mortgages in the US. I will see whether they have any options for my case, so I refinance with them if that is the case. 

 

Thanks again for your support. 

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