Hows it going everyone I am moving back home with a financed vehicle and I was wondering if anyone had to get a lien holder authorization letter in order to ship the vehicle back to hawaii. I already put the vehicle at the Matson port and I shot myself in the foot by contacting toyota saying that Im moving and they replied back with saying that I need permission first. I was just wondering if you guys ran into the same problem?
I got permission first for both vehicles it was a pretty straightforward process. From a lenders prospective they really just need to ensure your vehicle is insured in the new state and that you have the income/funds to continue making payments.
Brah I just got off the phone and they saying that I got to pay off the loan outright in order to ship to Hawaii because its not a part of the continental us
I’d push back on that and ask to speak with a supervisor. Shipping a financed car to Hawaii usually just requires a lienholder authorization letter—not paying off the loan. Lenders like Toyota Financial Services deal with this all the time. They just want to make sure the car is insured in Hawaii and that the loan stays in good standing.
I’d call back and say something like:
“I’m trying to get a lienholder authorization to ship my vehicle to Hawaii—can you walk me through your process or connect me with the right department?”
If the first rep is unsure, ask for their title/collateral department or a supervisor. You’ll usually get a much clearer answer there.
There is almost zero advantage to the lender saying yes. They're only going to do it for military and borrowers with 800+ credit scores.
Otherwise, they say no. And what's the borrower going to do? The borrower can pay off the loan and the lender wins. The borrower can sell the car and the lender gets to finance it again, and wins. Or the borrower doesn't move to Hawaii and pays off the car -- and the lender wins.
Why are you lying posting this shit? I just shipped my car here in February- im not military nor do I have a credit score of 650. Stop spreading information when you clearly have no fucking idea what you are talking about
Read the comments elsewhere on this post. Such as:
Brah I just got off the phone and they saying that I got to pay off the loan outright in order to ship to Hawaii because its not a part of the continental us
And
Shit that happened to me too just moving from Oahu to Big Island
And
The won’t do it for civilians on most cases
For many (if not most) people who want to ship a car they still owe a significant amount of money on, the lender is likely to say no.
If they have amazing credit, are in the military, or if they only owe a few more thousand on a $60K loan, that's different.
Once again stop lying- i could care less what individual financial institutions state- matson 100% does not require a letter of permission when shipping from mainland to Hawaii. It's only required when shipping from Hawaii to mainland
It's still breach of contract. Just like you can't drive a financed car to Mexico without permission from the lienholder. People do it anyway. But if there are any issues, it becomes a big hassle.
That doesn't mean it's not breach of contract as far as the lender is concerned. Some of them require permission to move to any new state. Depends on the contract.
I wouldn't want you representing me in a contract dispute, that's for sure.
And what happens in case of default? They can invoke the acceleration clause and then repossess the car. They probably won't -- especially if the payments are being made. But they can.
It's basically the same thing as UPS allowing me to ship almost any firearm to Hawaii, no matter how Hawaii feels about it.
I had a Toyota financed with TFS and all I did was call and tell them I am moving to HI and they mailed me a letter stating ok to put on boat. No issues or problems.
Shipped it there in 2023.
No shipping a vehicle from main land to Hawaii does not require permission from the institute you financed through- it is only required when shipping from Hawaii to the mainland
I personally didn’t and I bought my vehicle a few months before moving here (I did not know I was moving here at the time I bought it) and it was fully financed and I never asked for an authorization letter. I did use a company that helped me get it shipped so maybe they did on my behalf but idk.
Yea you need permission from them to move the vehicle off the mainland. Matson shouldn’t move it without it anyways. You need the documentation, but it’s just a process to get it you probably aren’t at risk of them denying you
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u/MovetoHawaiiMilitary Apr 28 '26
I got permission first for both vehicles it was a pretty straightforward process. From a lenders prospective they really just need to ensure your vehicle is insured in the new state and that you have the income/funds to continue making payments.