<prompt> Human: Hi all, Im in NYC and purchasing a car from a dealership out in Texas. Im flying out tomorrow morning and the dealership just notified me of this problem, Im hoping to get some advice.My father consigned on a Chase loan app online with me, which helped get a much better rate as I dont have much credit history. I spoke to the dealer and they are saying that while that may be OK on Chases end, he would need to be present to sign paperwork at their dealer for registration and title purposes. The paperwork cant be faxed over according to the dealer.What the dealership suggested is that I instead apply solo and take whatever rate that comes out at weve yet to see what that is, and when I get back to NY I can simply go to Chase with my father and refinance to the lower rate after the fact. Is it really that simple to do, or is this dealer just telling me what I want to hear so Ill sign something? Anything I should be looking out for if I do proceed fees, etc?? Ive never taken out any sort of loan before and while I understand the basics, Im weary of trusting what a car salesman tells me I can do. Thank you!  <response>: First off, going all the way to Texas is a pretty terrible way to buy a car if youre from NY. I assume its because you have found the PERFECT car of your dreams, which is another terrible idea. You should cancel the deal and find a car in NY that suits your needs. However, if you DO go through with this awful plan then youre going to face a paperwork nightmare. If the dealership gets you approved on your own at a higher rate then you will have to wait for the contract to be funded and all of your title and lien documents to be recorded before you can pay it off. Then you will have to pay whatever fees are required to register the car in NY. Which brings up the sales tax issue. I am not sure what the laws are in Texas but you need to be careful about sales tax. They may collect it in Texas you might have to find out if New York is willing to credit you with what taxes you paid in Texas and then you will have to pay the difference. Then you have the problem of driving half way across the country on a paper tag, or some kind of temporary tag. Its really a nightmare to do what you are trying to do and you should find a local alternative. Edit: HAVE I MENTIONED THAT THIS IS A BAD IDEA?? 