@Anonymous wrote:I brought my girl a car back in sept. 13 at the time because she didnt have establish credit but now she does. My credit has improve from rebuilding and im ready to buy myself a car so i was wondering how do i get the loan in her name? Do i have to sell her the car im just not sure wondering if someone can help me out thanks.
You can sell it to her . If you want to stay on title/loan you can refinance it and add her.
i would suggest selling.
No worries buddy! it has nothing to do with age btw...plenty of people 35 have no idea since they haven't had an auto loan before. 
On the other hand, there's people who are like 18 who have experience as they've went through the process.
So for a second, imagine that this wasn't your girl or someone you knew. You're selling the car to this random person. When you sell to your gf, it follows the same process. You'll sell at FMV (fair market value) officially.
Do me a favor, give me this info:
Current NADA Retail Value of Car?
Current Balance owed on Auto Loan?
State of residence? (If you are in a state which has county sales tax like NYC, county/city of residence too?)
You won't need to put anything extra down as long as she has enough income. You're welcome to put money down if you just want to reduce the loan's balance?
I looked up NJ state tax law for you. Looks like you'll be hit on a amount the NJ DMV determines (regardless of sale price). NJ DMV gets this mostly from NADA from what I gather. Since this is the case, it won't matter. Just sell the car @ loan balance to keep your lives easy. 
No need to sell @ NADA value.
Also note that the sales tax bill is going to be ~.07*19000=1330. So don't put all of that 3k down and then figure out that wait, whoops, we can't pay the DMV to register the car now.
Like I said before, I recommend DCU for someone with 700+ credit scores. But call them first before applyign and explain the situation to make sure they'll do a private party sale for you guys.
Another idea to consider: what if she buys your car for you in her name? That way you save sales tax transferring the accord (maybe you can refi it in your own name to lower apr)? She'll need the income to buy whatever car you're considering. Of course, if you eventually have to transfer the two cars (say a breakup), you'll now owe two sales taxes on that transfer. But maybe if you buy equivalently valued vehicles, you can agree to just not bother swapping even if you guys breakup? If/when you get married, you can transfer amongst yourself with no sales tax hit.