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In this circumstance, any scrupulous automobile dealer will shy away from this transaction as it is entering the "Straw Purchase" arena. However, to properly answer this question, more specificity is required. I will try to offer a scenario that may relate to the answer you are after. For instance; If Owner and co-owner are disclosed as such on the certificate of title and the finance contract, then the transaction is out in the open. e.g., there is no attempt at obfuscating the issue. Therefore, this would not be a problem as long as the two parties are deemed credit worthy by creditor. In most cases, automobile dealers are only a link to the lenders and don't determine credit worthiness unless they are also the lender.

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Q: What if a dealer put the car title as owner in one name but on the loan agreement the owner is in a different name with the actual owner listed as a co-owner?
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