Overview

CCL/TSF (Collector Car Lending) is a financing company that partners with dealerships and private sellers to facilitate the financing and processing of classic and antique vehicle purchases across the United States.

CCL is not a dealership. As a third-party intermediary, its business model and transaction structure differ from standard vehicle sales. As a result, documentation submitted to ATC may vary from typical vehicle transactions.

Key Nuances in CCL Transactions

Vehicle Age–Related Exceptions

Due to the age of many vehicles financed through CCL, certain standard documentation requirements may not apply:

• Emissions/Smog Testing: Many vehicles are exempt from emissions or smog testing depending on the state and model year. ATC’s checklists reflect current state exemptions and should be referenced for confirmation.
• VIN Inspections: VIN inspections are generally still required unless otherwise specified by state guidelines.
• Odometer Statements: Most states exempt vehicles of a certain age from odometer disclosure requirements. When applicable, exemptions are clearly noted on ATC checklists. For CCL submissions, the mileage is entered as 0 on the quote, and the title or reassignment documents will reflect the mileage as Exempt, N/A, or 0, depending on state requirements.

Title and Registration Considerations

Many states do not issue a physical title for vehicles above a certain age. In these cases, a registration is issued in place of a title.

Registrations received in lieu of titles should be submitted to the state as provided, along with all supporting documentation.

When a registration is submitted, proper reassignment pages must still be included, and all standard reassignment rules remain applicable.

Specialty Antique and Classic Plates

Some drivers request specialty antique or classic license plates.

Requirements vary by state and may include additional documentation and fees.

CCL has been provided with a spreadsheet outlining required fees and documents by state. This information has also been shared with Operations and is reflected on checking and processing spreadsheets.

ATC submits classic plate requests as received and does not issue ARs for missing documents. Responsibility for submitting complete documentation rests with CCL.

Any fees not included at submission are billed by Accounting at the conclusion of processing.

Reference: ATC Classic Plates Spreadsheet: ATC classic plates SS 1.xlsx

 AR (Attention Required) Guidelines

If CCL requests that paperwork be submitted as is, ATC will comply.

CCL may choose to submit documentation without corrections to determine DMV acceptance. If rejected, CCL requires an official DMV rejection notice.

Fee Thresholds

ATC will process and submit files that are short under $300.00 (standard dealer threshold is $200.00).

Files short over $300.00 will be held unless:

CCL requests submission, and

The file is being sent to a county DMV that allows walk-in processing.

In walk-in cases: - The file will be processed and submitted as-is. - ATC will issue a closed max check for available funds. - The driver is responsible for paying any remaining fees directly at the DMV.

Walk-In Eligible States

Drivers may walk into a county DMV in the following states:

Alabama

Arkansas

Colorado

Georgia

Idaho

Iowa

Kansas

Kentucky

Maine

Mississippi

Nebraska

New Hampshire

South Dakota

Tennessee

Texas (county DMV only; excludes TTG)

Wyoming

Walk-In Authorization Letters

Certain states require an authorization letter from ATC permitting the driver to complete a walk-in transaction. CCL will email directly if they wish to be provided this letter. 

This letter is similar to the IPA letter and is fully editable.

Required details may include:

VIN

County DMV

Tracking number

Template Reference: ATC Walk-In Letter.docx: ATC walk in letter.docx

ARs Involving Fee Collection

When ATC is not covering fees upfront, CCL submits a credit card authorization form directly to the Accounting department.

Once payment clears, Accounting notifies the AR or Escalation team member assigned to the file so processing may continue.

Plates, Invoicing, and Accounting

CCL is invoiced to the exact amount due (Bill to the penny). 

If plates are received and additional funds are owed after invoicing, the Plates & Invoicing (P&I) team holds the plates and issues an invoice to CCL.

Upon receipt of payment—either by mailed check or credit card authorization—P&I releases and mails the plates to CCL.