how to transfer a car when bank holds title

Hire a cat burglar, you know, one of those ninja guys in the movies, and get him to break into the bank and get the title- then bribe the DMV clerk to overlook the "Lien" part and get a new title- see? SIMPLE!!

If you bought a car and need to transfer ownership to yourself with the bank holding the title, they issue you a 'certificate of title.' If you are attempting to sell a car with the bank still holding the title, you need to pay them off first, then they'll send you the title. That process can take several days so you'll need a patient buyer. Sometimes the lien-holder will issue you another certificate of title so the new buyer can get temporary tags, and some title bureaus will accept a bill of sale to issue temp tags, so that gives you 30 days to get the title to the buyer.

Why do u have to send a title before anything goes through ? Like payment ? Shouldn't that be first ?