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Título de Vehículo

¿Qué es un título de vehículo?

El título de vehículo es el documento legal mediante el cual el estado mantiene un registro del propietario. Si usted tiene un préstamo sobre ese vehículo, tanto usted como el poseedor del gravamen están incluidos en el título. El poseedor del gravamen es la financiadora que le otorgó el  préstamo. Una vez que usted cancele su préstamo, se le emitirá un nuevo título en el que usted aparecerá como el único propietario.

¿Por qué es importante?

El título es el documento que aporta evidencia de que el vehículo es de su propiedad. Dependiendo de las regulaciones estatales, usted guarda una copia del título o queda en poder del poseedor del gravamen hasta la cancelación del préstamo. Al refinanciar con RefiJet, le haremos saber si reside usted en un estado en que el propietario tiene la titularidad y, en ese, caso, será necesario que nos suministre el título.

¿Cómo obtiene RefiJet el título del vehículo para la refinanciación?

Si usted reside en un estado en el que el propietario tiene la titularidad, usted como el prestatario tiene el documento oficial del título. Deberá enviarlo a RefiJet para completar el proceso de refinanciación. Si no lo tiene, le guiaremos a través del proceso de obtención de una copia. Comúnmente, para obtener un duplicado del título deberá dirigirse al departamento de vehículos automotores o a la oficina de impuestos del condado, dependiendo de su estado y condado. O hasta pudiera solicitarlo en línea o enviar una forma para recibir el título por correo. Si la financiadora actual tiene el título, nosotros manejaremos con dicha financiadora el proceso de obtención del mismo. La financiadora nos hará llegar el título directamente tan pronto el préstamo sea cancelado con los fondos del nuevo préstamo de refinanciación.

¿Cómo se maneja el título durante una refinanciación?

Cuando se produce una refinanciación, debe emitirse un nuevo título. Esto significa que la antigua financiadora ya no estará en el título. El nuevo título estará a nombre del nuevo poseedor del gravamen. Este es un proceso que se tramita a través del departamento estatal de vehículos automotores. Al refinanciar con RefiJet, nosotros estaremos manejando cada aspecto de obtención del nuevo título como parte de la refinanciación de su préstamo. Una vez actualizado el título, se le entregará a la parte que corresponda, bien a usted o al poseedor del gravamen, dependiendo del estado.

¿Qué sucede en el caso de que exista un co-prestatario?

En el caso de que haya co-prestatario, el título incluirá a ambos prestatarios. Si está agregando a alguien como co-prestatario o si está removiendo a un co-prestatario que ya no participará en la refinanciación del nuevo préstamo, el título deberá reflejar al nuevo propietario. RefiJet le guiará en todo el proceso de garantizar que el nuevo título incluya en forma precisa al prestatario o prestatarios del nuevo préstamo de refinanciación. Esto incluye trabajar con el departamento estatal de vehículos automotores y con las financiadoras para facilitar el proceso en representación suya.

Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 

ELECTRONIC RECORDS 

Some communications with and disclosures by Yield Solutions Group, LLC dba RefiJet.com (“RefiJet.com” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Notice, loan documents and disclosures that we provide to you on behalf of any Lender, and any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba RefiJet.com) in writing at 7555 E. Hampden Ave., Ste. 500, Denver, CO 80231 or by email at Info@RefiJet.com. We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting.  

RefiJet.com reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form.  RefiJet.com will provide you with notice of any such termination as required by applicable law. If RefiJet.com chooses to stop providing Documents electronically, RefiJet.com will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   

YOUR CONSENT IS REQUIRED 

You must consent to receive Documents  electronically in order to complete the credit inquiry process with RefiJet.com and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since RefiJet.com is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  

CONSENT TO RECEIVE DOCUMENTS ELECTRONICALLY 

In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  

HARDWARE AND SOFTWARE REQUIREMENTS 

In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contain the PDF loan documents. You will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to a secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us