Can I finance a car and put it in my son's name instead of mine?

Yes, you can finance a car and have it registered in your son's name, but the lender will typically require the person whose name is on the loan to be the same person whose name is on the title. Most lenders won't separate the borrower from the owner because it protects their ability to repossess if payments stop. So if you're financing it, your name goes on the loan and usually on the title too—even if your son drives it and you want him to own it eventually. The exception is if your son qualifies to finance it himself. If he has income, a credit history (even thin credit), and a valid ID, many lenders will approve him directly as the borrower and owner. This is actually cleaner because he builds his own credit and there's no confusion about who owes what. If his credit is limited or he has no credit yet, you'd typically cosign the loan, meaning you're both responsible to the lender, and both names go on the title. Another option: you finance and own it, then transfer the title to him later once it's paid off or refinanced in his name alone. This works, but it's an extra step and some states charge transfer fees. The real question is whether your son can qualify on his own. If he has income and any credit history, that's the cleanest path. If not, cosigning makes sense. Either way, you'll want to understand the lender's rules upfront. Contact Elite Edge at (954) 907-2386 or use the 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify—they'll shop lenders who handle situations like this and explain exactly how each one structures the loan and title.

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