Originally Posted by Vec

sounds like a lot of pain and anguish over a simple process.

I'd stay away from that machine.

Originally Posted by Bluesrider.df

OP here. When I was young my GF had a car that was owned by her stepdad and on his insurance. She reimbursed him for insurance each month. She then bought the car and title was transferred to her. The car was in an accident 2 days later, and that's when we learned we had no insurance. It was still on stepdad's policy, but you can't insure a car you don't own. She needed her own insurance. It was a huge PITA, but after many months, the insurance co covered it. Lots of lessons learned.

Some people might be ok with paying for the bike and waiting for the title, but it would still be the seller's bike, have to be on his insurance, etc. Lots of risks to both parties in this situation.

As someone some said above, he has to pay off the bike himself to get a clear title. If he can't do this, there is one other option, the Harley Rider to Rider program. We both go to the dealership, he brings the bike. I apply for a loan through HD (Eaglemark - they are the lienholder now). I don't need a loan, but for the sake of this transaction, it allows for title transfer and everyone is protected. HD does an inspection of the bike, and when all the paperwork is on hand, we both go back for signatures. Everyone leaves with what they want. I would pay my loan off immediately. HD charges for this of course, but if he can't cover the lien himself, it's probably the only (safe) option.

Originally Posted by cycle7447

This is indeed a good option. By the way, you never mentioned who the lienholder is. The Harley loan is the same process.

Originally Posted by Bluesrider.df

The lienholder is HD Financial Services / Eaglemark Savings Bank, so that makes it easier.

Originally Posted by Bluesrider.df

OP here. When I was young my GF had a car that was owned by her stepdad and on his insurance. She reimbursed him for insurance each month. She then bought the car and title was transferred to her. The car was in an accident 2 days later, and that's when we learned we had no insurance. It was still on stepdad's policy, but you can't insure a car you don't own. She needed her own insurance. It was a huge PITA, but after many months, the insurance co covered it. Lots of lessons learned.

Some people might be ok with paying for the bike and waiting for the title, but it would still be the seller's bike, have to be on his insurance, etc. Lots of risks to both parties in this situation.

As someone some said above, he has to pay off the bike himself to get a clear title. If he can't do this, there is one other option, the Harley Rider to Rider program. We both go to the dealership, he brings the bike. I apply for a loan through HD (Eaglemark - they are the lienholder now). I don't need a loan, but for the sake of this transaction, it allows for title transfer and everyone is protected. HD does an inspection of the bike, and when all the paperwork is on hand, we both go back for signatures. Everyone leaves with what they want. I would pay my loan off immediately. HD charges for this of course, but if he can't cover the lien himself, it's probably the only (safe) option.

Originally Posted by Bluesrider.df

The lienholder is HD Financial Services / Eaglemark Savings Bank, so that makes it easier.

Originally Posted by Bluesrider.df

I am looking to buy a bike from someone in Maryland, I am from PA. He has a loan, therefore a lein on the title. We were going to meet at a tag/title place in PA. He obviously needs my cash to payoff and have the lein removed, but how am I protected once I hand that over, to ensure the loan is satisfied? In PA, once all the paperwork is done at the tag place, you have a tag & temporary registration, and you can ride the new bike home. But this bit with the lein is a new wrinkle for me.