Retail installment contract: Fill out & sign online

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Click ‘Get Form’ to open the retail installment contract in the editor.
Begin by entering the Contract Number and Date at the top of the form. This helps in tracking your agreement.
Fill in the Seller's Name and Business Address, followed by the Buyer's Name and Address. Accurate information is crucial for legal purposes.
Complete the financial details: Amount Financed, Finance Charge, Annual Percentage Rate, Total of Payments, and Total Sales Price. Ensure these figures are correct to avoid future discrepancies.
Indicate whether you want a written itemization of the Amount Financed by checking 'Yes' or 'No'.
Detail your Payment Schedule by specifying the Number of Payments, Payment Amounts, and Due Dates for each installment.
Review sections on Insurance options and Security Interest carefully. Sign where required to confirm your choices.
Finally, ensure all parties sign at the end of the document to validate the agreement before saving or sharing it.

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What is a retail installment contract?

A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. Traditional vehicle financing involves borrowing money from a bank or other lender.

Is a retail installment contract a lease?

A contract where one party pays for the use of an asset owned by another party. In a lease, ownership remains with the lessor, while a retail installment contract leads to ownership transfer upon payment completion.

Is a retail installment contract the same as a title?

Under an installment contract, the buyer gets possession of the property and makes installment payments of the purchase price over an extended period of time to the seller, who conveys legal title to property once the purchase price is fully paid.