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I ran in the same problem when I bought my car from New Hampshire. I was pre-approved for the loan, but since the car wasn't registered/smogged in CA the bank wouldn't give up the money. Kind of a Catch 22.


I ended up having to take a temporary loan from my dad (for a week because his Line of Credit limit was higher than mine) so that I could get the car here, smogged and bring it to the credit union. Once I was there I had the credit union write the check to my dad (and I paid him back any interest accrued during that time in cash). I was basically buying the car from my dad.


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