The buyer is financing the purchase through a lender. The lender will hold a security interest in the vehicle until the loan is paid in full, and the title will reflect the lienholder. Tailored for Cache County, Utah. Fill in details, sign digitally, download a printable PDF in minutes.
The Truth in Lending Act (15 U.S.C. § 1601) and Regulation Z (12 CFR Part 1026) require written disclosure of all credit terms before consummation. The security interest must be perfected by recording the lienholder on the vehicle title with the state DMV. Buyers do not have a statutory right of rescission for vehicle purchases (rescission applies to home-secured credit under Reg Z § 1026.23).
Bill-of-sale filings and title transfers for a financed vehicle personal watercraft sale in Cache County are filed at the Utah county clerk in Cache County (sometimes called the recorder, tax collector, or treasurer depending on the state). The office accepts the signed bill of sale, the assigned title, and a completed title application. Recording fees vary by document type; expect a base fee plus per-page charges for additional pages.
For office hours, recording fees, and accepted payment methods in Cache County, call the county clerk before visiting or check the Utah DMV directory at https://www.google.com/search?q=Utah%20DMV%20title%20transfer.
Filing deadline: Utah requires title transfer within 30 days of the sale date. Plan the Cache County clerk visit promptly to avoid penalty fees on late filings.
If the personal watercraft carries an active lien, the seller cannot transfer clean title to the buyer until the lien is released. Utah handles this through a documented sequence that the lienholder, seller, and buyer must complete in order. Skipping a step often means the new title is issued with the lien still noted, blocking resale.
Form reference: TC-843 or Title (lien section) is the Utah document used to clear a lien on a personal watercraft title before a Cache County financed vehicle transfer can be recorded.
Open safety recalls follow the vehicle, not the owner — if the personal watercraft has an unrepaired recall when the financed vehicle sale closes, the Cache County buyer inherits the obligation to bring it to a dealer for the free fix. The NHTSA recall database flags the following categories most frequently for personal watercraft models:
On average a personal watercraft model has 1.2 recalls — buyers in Cache County should run a NHTSA recall check before signing. Enter the VIN at nhtsa.gov/recalls to pull the live status. Document any open recalls in the bill of sale so the buyer cannot later claim the seller concealed a known defect — a clean disclosure protects both parties under Utah consumer-protection law.
In Utah, the title transfer fee is $6 and registration costs $44 - $150+ depending on vehicle age and type. Personal Watercraft sales are subject to 6.1% state sales tax plus local taxes (up to ~8.5%). Utah does not require notarization for private-party personal watercraft transfers. Emission testing is required in Utah — verify the personal watercraft passes before completing the sale.
Utah has a 6.1% state sales tax rate. 6.1% state plus local taxes (total up to ~8.5%). Private-party personal watercraft sales in Utah are subject to sales tax. Sales tax applies to private party vehicle purchases. The title transfer fee is $6.
The most common personal watercraft makes in private-party sales are Yamaha, Sea-Doo (BRP), Kawasaki. Average private-party personal watercraft prices range from $3,000–$20,000. Personal watercrafts average 1.2 NHTSA recalls per model across categories including Fuel System, Steering, Hull.
Before completing a personal watercraft bill of sale in Utah, verify these safety items:
PWC insurance averages $200–$500/year. Many marinas require proof of insurance. PWC depreciate 40–50% in the first 3 years. Three-seat models retain value better than single-seat. Peak season for private personal watercraft sales is april–may before summer water season, with an average of 30 days on market.
Personal Watercrafts are classified as "Personal watercraft (state-registered, minimum operator age varies by state)" for registration purposes. PWC are classified by engine hours. Average recreational lifespan is 300–500 hours. Federal odometer disclosure does not apply to personal watercrafts.
Cache County County personal watercraft transfers follow Utah state requirements. Title transfer fee: $6. Emission testing may be required in your county.
BillOfSaleNow has generated 901 bill of sale documents for Utah transactions, with 24 generated this month alone. The most popular vehicle type is car.
The buyer is financing the purchase through a lender. The lender will hold a security interest in the vehicle until the loan is paid in full, and the title will reflect the lienholder.
If you are selling as a private party offering financing (seller financing), the transaction is governed by the Truth in Lending Act (TILA), Regulation Z (12 CFR Part 1026). You must provide the buyer a written disclosure of APR, finance charge, amount financed, total payments, and payment schedule. Failure to comply can expose you to civil liability.
When financing through a bank or credit union, your lender will place a lien on the title. You will not receive a clear title until the loan is paid off. Under TILA, you have the right to a written disclosure of all loan terms before signing. Review the APR and total cost of financing carefully.
No. Utah does not require notarization, though it is recommended for high-value financed vehicle transactions in Cache County.
Title transfers in Cache County are processed at the Cache County Clerk's office or your local DMV branch. Visit https://www.google.com/search?q=Utah%20DMV%20title%20transfer for office locations and hours.
Cache County is part of Utah Bill of Sale. See all vehicle types and scenarios for your state.
Last updated May 2026
Informational purposes only. This content is provided for informational purposes only and is not legal advice. Laws vary by state and individual circumstances differ. Consult a licensed attorney for jurisdiction-specific guidance on vehicle transfers, title requirements, or related legal matters.
45% faster sale
Vehicles whose listings include a history report spend ~45% less time on site before selling, and report-viewers are 5x more likely to become a lead.
Source: Experian / AutoCheck
$4,000 avg loss
NHTSA estimates 450,000+ vehicles per year are sold with rolled-back odometers — the average victim loses about $4,000 in downstream repair costs.
Source: NHTSA
17.5M private sales/yr
About 17.5 million private-party vehicle transactions happen in the U.S. each year — roughly 47% of the used market.
Source: Cox Automotive 2024
1 in 3 buyers
Roughly 1 in 3 used-car buyers say they suspect private sellers are hiding mechanical problems — documentation closes that trust gap.
Source: JW Surety Bonds (n=3,000)
$60–$85 mobile notary
Mobile notary visit minimums run $60–$85 — higher on weekends, plus per-mile travel fees. State-formatted documents skip the trip.
Source: Thumbtack / NNA