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Financed Purchase bill of sale — Fort Collins, Colorado

Financed Purchase Payment Bill of Sale for Camper in Fort Collins, CO

A financed vehicle purchase involves a third-party lender (bank, credit union, or the seller) providing the funds for th… Complete your Fort Collins camper financed purchase transaction at the Larimer County Motor Vehicle.

Fort CollinsColoradoCamperFinanced Purchase

Financed Purchase Camper Sale in Fort Collins

A financed vehicle purchase involves a third-party lender (bank, credit union, or the seller) providing the funds for the buyer to purchase the vehicle. The lender holds a security interest (lien) in the vehicle until the loan is fully repaid.

In Fort Collins, Colorado, the local office handling title transfers is the Larimer County Motor Vehicle at 200 W Oak St, Fort Collins, CO 80521. The combined sales tax rate is 7.55%. Notarization is not required for a private vehicle bill of sale in this jurisdiction.

Payment documentation requirements

When a bank or credit union finances the purchase, they typically pay the seller directly and the buyer repays the lender in installments. If the seller is providing financing (seller carry-back), a separate promissory note should document the loan terms, interest rate, payment schedule, and default provisions in addition to the bill of sale.

How financed purchase affects title transfer

In financed transactions, the title is issued with the lender's name noted as lienholder. The buyer receives a copy of the title but the lender typically holds the original until the loan is paid off. Once the loan is satisfied, the lender releases the lien and the buyer receives a clean title.

Local DMV — Larimer County

DMV / Title Office

Larimer County Motor Vehicle

Address

200 W Oak St, Fort Collins, CO 80521

Phone

(970) 498-7878

Office Hours

Mon–Fri 7:30 AM–5:00 PM

Local Fees & Taxes

Title Transfer Fee

$7.20

Sales Tax Rate

7.55%

Base Registration Fee

$26.00

Colorado state rate 2.9% + Larimer County 0.65% + Fort Collins city 3.85% + transit 0.15%

Notarization: NOT REQUIRED

Colorado does not require notarization for private vehicle sales.

Fort Collins Financed Purchase Transfer Checklist

  • The federal Truth in Lending Act (TILA / Regulation Z) requires disclosure of the APR, finance charge, amount financed, and total of payments.
  • The lienholder must be recorded on the title so the lender’s security interest is perfected.
  • Keep the signed retail installment contract or loan agreement together with the bill of sale.
  • Colorado applies 2.9% state plus local taxes; ownership tax based on age on vehicle purchases, collected when the buyer registers the vehicle.
  • Colorado does not require notarization for a private-party bill of sale, though notarized signatures are more defensible.
  • Colorado’s official bill of sale form is DR 2173 (Bill of Sale for a Motor Vehicle).
  • An odometer disclosure is required on the Colorado title transfer.
  • Colorado requires an emissions or smog test before the buyer can register the vehicle.
  • Title must be transferred at the Larimer County Motor Vehicle office within 60 days
  • Emissions testing required in the Northern Colorado area
  • Buyer pays sales/use tax at time of title transfer
  • Vehicle specific ownership tax assessed annually based on vehicle value

Colorado forms and documents

  • TILA Disclosure Statement
  • Retail Installment Contract or Loan Agreement
  • DR 2173 (Bill of Sale for a Motor Vehicle)

Key facts for financed purchase transactions

  • Lienholder's name appears on title until loan is fully repaid
  • Seller financing requires a promissory note in addition to the bill of sale
  • Truth in Lending Act (TILA) disclosures required for seller financing
  • Existing liens on the vehicle must be cleared before title transfers
  • State usury laws cap the maximum interest rate in seller-financed deals

Important notice

If the vehicle still has an existing lien from the seller's own loan, that lien must be paid off and released before clear title can be transferred to the buyer. Never complete a financed purchase without confirming the title is free of prior liens.

Fort Collins at a glance

Population

169,705

Median Household Income

$83,598

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Frequently asked questions

How does a financed purchase camper sale work in Fort Collins?

A financed vehicle purchase involves a third-party lender (bank, credit union, or the seller) providing the funds for the buyer to purchase the vehicle. The lender holds a security interest (lien) in the vehicle until the loan is fully repaid. Title transfers in Fort Collins are handled at the Larimer County Motor Vehicle (200 W Oak St, Fort Collins, CO 80521). When a bank or credit union finances the purchase, they typically pay the seller directly and the buyer repays the lender in installments. If the seller is providing financing (seller carry-back), a separate promissory note should document the loan terms, interest rate, payment schedule, and default provisions in addition to the bill of sale.

What is the sales tax on a financed purchase camper purchase in Fort Collins?

The combined sales tax rate in Fort Collins is 7.55%. Colorado state rate 2.9% + Larimer County 0.65% + Fort Collins city 3.85% + transit 0.15%

How does financed purchase affect the title transfer process in Fort Collins?

In financed transactions, the title is issued with the lender's name noted as lienholder. The buyer receives a copy of the title but the lender typically holds the original until the loan is paid off. Once the loan is satisfied, the lender releases the lien and the buyer receives a clean title. Bring the signed title and completed bill of sale to the Larimer County Motor Vehicle (200 W Oak St, Fort Collins, CO 80521) with payment for the $7.20 title transfer fee.

Is notarization required for a financed purchase camper bill of sale in Fort Collins?

No. Colorado does not require notarization for private vehicle sales.

What are the legal requirements for a financed purchase camper sale in Colorado?

Seller-provided financing is subject to the Truth in Lending Act (TILA, Regulation Z), which requires disclosure of the Annual Percentage Rate (APR), total finance charge, amount financed, and total payments. State usury laws may limit the maximum interest rate a private seller can charge. Dealer-provided financing is regulated at the state level and may involve additional disclosure requirements. The federal Truth in Lending Act (TILA / Regulation Z) requires disclosure of the APR, finance charge, amount financed, and total of payments.

Is a financed purchase bill of sale legally binding in Fort Collins?

Yes. A properly completed bill of sale with financed purchase payment terms is legally binding in Colorado. Both buyer and seller should sign and retain a copy. Bring it to the Larimer County Motor Vehicle to complete the title transfer.

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