Section 1 - Party Identification
COLORADO VEHICLE PURCHASE AGREEMENT
Date of Agreement: [[Date of Agreement]]
SELLER (Dealer or Private Party)
Name / Dealership Name: [[Seller Full Legal Name or Dealership Name]]
Dealer License Number (if dealer): [[Colorado Dealer License Number - or "N/A - Private Sale"]]
Address: [[Seller Street Address]], [[Seller City]], Colorado [[Seller ZIP Code]]
Phone: [[Seller Phone Number]]
Email: [[Seller Email Address]]
BUYER
Name: [[Buyer Full Legal Name]]
Address: [[Buyer Street Address]], [[Buyer City]], [[Buyer State]] [[Buyer ZIP Code]]
Phone: [[Buyer Phone Number]]
Email: [[Buyer Email Address]]
Driver's License Number / State: [[Buyer Driver's License Number]] / [[Issuing State]]
Section 2 - Vehicle Description
| Field | Details |
|---|
| Year | [[Vehicle Year]] |
| Make | [[Vehicle Make]] |
| Model | [[Vehicle Model]] |
| Trim / Body Style | [[Vehicle Trim and Body Style]] |
| Exterior Color | [[Vehicle Exterior Color]] |
| Interior Color | [[Vehicle Interior Color]] |
| VIN (17 Characters) | [[Vehicle Identification Number]] |
| License Plate (if transferring) | [[Current License Plate Number - or "N/A"]] |
| Current Odometer Reading | [[Current Odometer Reading]] miles |
| Title Number | [[Existing Title Number]] |
| Title-Issuing State | [[Title-Issuing State]] |
Section 3 - Itemized Purchase Price
| Item | Amount |
|---|
| Cash Sale Price (before adjustments) | $[[Cash Sale Price]] |
| Trade-In Vehicle Allowance (credit) | - $[[Trade-In Allowance - or "0.00"]] |
| Trade-In Payoff Amount (if financed trade-in) | + $[[Trade-In Payoff Amount - or "0.00"]] |
| Dealer Documentation / Preparation Fee | $[[Dealer Doc Fee Amount - or "N/A"]] |
| Dealer Accessories / Add-Ons | $[[Accessories and Add-Ons Total - or "0.00"]] |
| Extended Warranty / Service Contract | $[[Extended Warranty Amount - or "0.00"]] |
| GAP Insurance (if applicable) | $[[GAP Insurance Amount - or "0.00"]] |
| Other Fees / Charges | $[[Other Fees Description and Amount - or "0.00"]] |
| Subtotal (before tax and government fees) | $[[Subtotal Before Tax]] |
| Colorado State Sales Tax (2.9% base) | $[[Colorado State Sales Tax Amount]] |
| Local / RTD / County Use Tax (if applicable) | $[[Local and District Tax Amount]] |
| Colorado Title Fee | $[[Title Fee]] |
| Colorado Registration / Plate Fee | $[[Registration and Plate Fee]] |
| Emissions / AIR Program Fee (if applicable) | $[[Emissions Fee - or "0.00"]] |
| Other Government Fees | $[[Other Government Fees - or "0.00"]] |
| Total Amount Due | $[[Total Amount Due]] |
| Less: Deposit / Down Payment Paid | - $[[Deposit and Down Payment Amount - or "0.00"]] |
| Balance Due at Signing / Delivery | $[[Balance Due at Signing]] |
> Note on Colorado Motor Vehicle Taxes: Colorado collects state sales/use tax at 2.9% on the taxable purchase price under Colo. Rev. Stat. § 39-26-106 et seq., plus applicable local taxes, Regional Transportation District (RTD) tax, and other district taxes that vary significantly by buyer residence and vehicle location. The county clerk and motor vehicle office collects these at titling/registration. Verify exact combined rate for the buyer's county using the Colorado Department of Revenue tax rate lookup or county motor vehicle office.
> Note on Dealer Documentation Fee: Colorado does not set a statutory cap. Fees must be disclosed and are subject to the Colorado Consumer Protection Act (Colo. Rev. Stat. § 6-1-101 et seq.). Buyers should negotiate and confirm all fees before signing.
Section 4 - Payment Method
Select one:
- Cash / Certified Check / Wire Transfer - Full balance of $[[Total Amount Due]] due at time of delivery.
- Dealer-Arranged Financing - See Section 5 (TILA Financing Disclosure) for complete terms.
- Outside / Third-Party Financing - Buyer has arranged financing through [[Buyer's Lender Name]]. Loan approval letter required prior to delivery. Lender's lien will be noted on title.
- Other: [[Describe Payment Method]]
Section 5 - Financing Disclosure (Truth in Lending Act - TILA / Regulation Z)
Complete this section only if the dealer is arranging or extending credit (retail installment sale). If paying cash or using outside financing, mark "N/A" and skip to Section 6.
> Federal Law Disclosure (15 U.S.C. § 1601; Regulation Z, 12 C.F.R. Part 1026): When a dealer extends credit or arranges a retail installment sale, the following disclosures are required by the Truth in Lending Act before the buyer signs.
| TILA Term | Amount or Rate |
|---|
| Annual Percentage Rate (APR) | [[APR]]% per year |
| Finance Charge (total cost of credit in dollars) | $[[Finance Charge]] |
| Amount Financed (net credit extended) | $[[Amount Financed]] |
| Total of Payments (sum of all scheduled payments) | $[[Total of Payments]] |
| Total Sale Price (total cost including down payment) | $[[Total Sale Price]] |
Payment Schedule:
| Number of Payments | Payment Amount | Payment Frequency | First Payment Due |
|---|
| [[Number of Monthly Payments]] | $[[Monthly Payment Amount]] | Monthly | [[First Payment Due Date]] |
Security Interest: The seller/lender retains a security interest in the vehicle described in Section 2 until all amounts are paid in full. The lien will be noted on the Colorado certificate of title.
Prepayment: The buyer [ ] may / [ ] may not pay the balance before it is due without penalty. If the buyer prepays, the buyer [ ] will / [ ] will not be entitled to a refund of part of the finance charge.
Late Charge: If a payment is more than [[Late Payment Grace Period (days)]] days late, the buyer will be charged $[[Late Fee Amount]] or [[Late Fee Percentage]]% of the overdue payment, whichever is greater.
> These figures are estimates if the loan has not been finally approved. Final TILA disclosures will be provided on the Retail Installment Sale Contract (RISC) at time of signing, which forms part of this agreement.
Section 6 - Federal Odometer Disclosure
> Federal Odometer Act (49 U.S.C. § 32705; 49 C.F.R. Part 580): Federal law requires the seller to disclose the vehicle's mileage upon transfer of ownership. Providing a false statement may result in civil penalties up to $10,000 per violation and criminal penalties including fines and imprisonment.
Vehicle Identification Number (VIN): [[Vehicle Identification Number]]
Odometer Reading at Transfer: [[Odometer Reading at Transfer]] miles
The seller certifies that to the best of their knowledge the odometer reading reflects:
- The actual mileage of the vehicle.
- Mileage EXCEEDS mechanical limits - Odometer is NOT the actual mileage. WARNING: Odometer has rolled over.
- Odometer reading is NOT the actual mileage - WARNING: Odometer discrepancy exists.
Seller Certification:
I, [[Seller Full Legal Name]], hereby certify the odometer reading stated above under penalty of law.
Seller Signature: ___________________________ Date: [[Date of Odometer Certification]]
Buyer Acknowledgment:
I, [[Buyer Full Legal Name]], have read and acknowledge the odometer disclosure.
Buyer Signature: ___________________________ Date: [[Date of Buyer Odometer Acknowledgment]]
Section 7 - Warranty / As-Is Status
Select one - this selection is binding:
Option A - As-Is / No Warranty (Most Common for Used Vehicles)
AS IS - NO DEALER WARRANTY
> The vehicle is sold AS IS. The dealer/seller makes no warranty, express or implied, regarding the vehicle's condition, fitness, or merchantability. The buyer assumes full responsibility for the vehicle from the moment of delivery.
> Implied Warranties Disclaimed: All implied warranties - including the implied warranty of merchantability (Colo. Rev. Stat. § 4-2-314) and the implied warranty of fitness for a particular purpose (Colo. Rev. Stat. § 4-2-315) - are DISCLAIMED to the fullest extent permitted by Colorado law (Colo. Rev. Stat. § 4-2-316) when made in writing in a conspicuous manner.
> FTC Used Car Rule (16 C.F.R. Part 455): Dealers selling used vehicles must display an FTC Buyers Guide on the vehicle. The signed Buyers Guide is incorporated by reference and controls over this agreement regarding warranty status if any conflict exists.
[ ] Buyer initials confirming As-Is purchase: ______ / ______
Option B - Dealer Limited Warranty
The vehicle is sold with a Dealer Limited Warranty as follows:
Warranty Duration: [[Warranty Duration in Months or Miles - e.g. "30 days / 1,000 miles"]]
Covered Components: [[List covered systems, e.g. Engine, Transmission, Drivetrain]]
Exclusions: Normal wear items, damage from misuse, aftermarket modifications, and routine maintenance are excluded.
Claims Procedure: Buyer must return the vehicle to [[Warranty Service Location]] with proof of purchase within the warranty period. Repairs will be performed using new or remanufactured parts at the dealer's option.
Seller agrees to the above limited warranty terms.
Seller Signature: ___________________________ Date: [[Date]]
Buyer Signature: ___________________________ Date: [[Date]]
Section 8 - Title, Registration, and Transfer Obligations
- Seller shall deliver the Colorado certificate of title (or out-of-state title with all required releases) free and clear of all liens and encumbrances except as disclosed herein, properly assigned to Buyer or Buyer's lender.
- Seller shall provide all required odometer disclosure, damage disclosure (if applicable under Colo. Rev. Stat. § 42-6-102 et seq.), and any emissions compliance documentation required by the county.
- Buyer is responsible for paying all applicable sales/use taxes, title fees, registration fees, and any penalties at the county motor vehicle office within [[Number of Days - typically 30 or per county]] days of delivery to avoid late fees.
- Seller shall cooperate fully with Buyer or lender to clear any lien releases or obtain duplicate title if the original is lost.
- Emissions / AIR Program: If the vehicle is located in or will be registered in an AIR Program county (Denver metro and others), Seller warrants that the vehicle has passed or will pass the required emissions test prior to transfer, or discloses any known issues.
Section 9 - Representations and Warranties of Seller
Seller represents and warrants that:
- Seller is the legal owner of the vehicle or has full authority to sell it.
- The vehicle is free of all liens, security interests, and encumbrances except those disclosed in writing and to be paid off at closing as noted.
- To Seller's knowledge, the odometer reading is accurate and has not been altered or disconnected.
- The vehicle has not been declared a total loss, salvage, rebuilt, or flood-damaged unless disclosed in Section 10.
- All required disclosures under federal and Colorado law have been or will be made truthfully.
Section 10 - Damage / Salvage / Flood Disclosure (if applicable)
Has the vehicle ever been:
- Declared a total loss by an insurer? [ ] Yes [ ] No If yes, explain: [[Explanation]]
- Issued a salvage, rebuilt, or reconstructed title? [ ] Yes [ ] No
- Sustained flood, fire, or hail damage requiring major repair? [ ] Yes [ ] No Details: [[Details]]
- Subject to an open recall that has not been completed? [ ] Yes [ ] No Recall details: [[Recall Number and Status]]
Buyer acknowledges receipt of this disclosure.
Buyer Initials: _______
Section 11 - Delivery and Acceptance
The vehicle will be delivered on or about [[Delivery Date]] at [[Delivery Location Address]].
At delivery, Buyer will inspect the vehicle and:
- Confirm odometer reading matches disclosure.
- Verify all equipment, keys, manuals, and accessories listed in addendum are present.
- Test drive and note any obvious defects on the delivery checklist (attached or below).
- Sign the delivery receipt and acceptance form.
Risk of loss passes to Buyer upon delivery and execution of this agreement and receipt of keys/title documents.
Section 12 - Default and Remedies
If Buyer defaults on payment or other material obligations:
- Seller may repossess the vehicle in accordance with Colorado law (Colo. Rev. Stat. Title 4, Article 9) and applicable consumer credit laws.
- Buyer remains liable for any deficiency after sale of repossessed vehicle plus reasonable costs and attorney fees.
If Seller defaults on title delivery or material representations:
- Buyer may rescind the transaction and recover all payments plus damages, or seek specific performance.
Section 13 - General Provisions
Governing Law: This agreement shall be governed by the laws of the State of Colorado, without regard to conflict of laws principles. Venue for any dispute shall be in the county of [[County of Venue]], Colorado.
Entire Agreement: This document, including any addenda, the FTC Buyers Guide, odometer statement, and any retail installment contract, constitutes the entire agreement between the parties. No oral modifications are binding.
Severability: If any provision is held invalid or unenforceable, the remainder shall continue in full force.
Notices: All notices shall be in writing and delivered personally, by certified mail, or email to the addresses above.
Attorney Fees: The prevailing party in any enforcement action shall be entitled to reasonable attorney fees and costs.
Counterparts: This agreement may be executed in counterparts, including electronic signatures compliant with the Colorado Uniform Electronic Transactions Act.
Section 14 - Signatures
SELLER
Signature: _______________________________ Date: [[Date]]
Printed Name: [[Seller Full Legal Name]]
Title (if dealer): [[Title]]
BUYER
Signature: _______________________________ Date: [[Date]]
Printed Name: [[Buyer Full Legal Name]]
CO-BUYER (if any)
Signature: _______________________________ Date: [[Date]]
Printed Name: [[Co-Buyer Full Legal Name]]
Address: [[Co-Buyer Street Address]], [[Co-Buyer City]], [[Co-Buyer State]] [[Co-Buyer ZIP Code]]
Driver's License #: [[Co-Buyer Driver's License Number]] / [[Issuing State]]
Section 15 - Notary Acknowledgment (Recommended for Private Party Sales)
Notarization is not strictly required for most dealer sales in Colorado but is recommended for private party sales to deter fraud and aid title processing.
State of Colorado
County of [[County Name]]
On this [[Day]] day of [[Month]], [[Year]], before me personally appeared [[Seller Full Legal Name]] and [[Buyer Full Legal Name]], known to me to be the persons whose names are subscribed to the foregoing instrument, and acknowledged that they executed the same for the purposes therein contained.
Notary Public Signature: ___________________________
Notary Printed Name: [[Notary Full Name]]
My Commission Expires: [[Notary Commission Expiration Date]]
Notary Seal:
> ⚠️ Template example - not professional (legal/financial/medical) advice. This document is a general template for informational purposes only. Colorado sales tax rates, title/registration fees, emissions requirements, dealer regulations, and statutory requirements change frequently - verify all figures against current Colorado law (Colo. Rev. Stat. Title 42 and Title 39), the county motor vehicle office, and the Colorado Department of Revenue before use. TILA disclosures must be reviewed by a licensed finance professional. Implied-warranty disclaimers must be conspicuous under Colo. Rev. Stat. § 4-2-316. Consult a licensed Colorado attorney for transactions involving complex financing, disputes, high-value vehicles, or private-party sales. Sources verified as of June 2026: Colo. Rev. Stat. §§ 4-2-314 through 4-2-316, 6-1-101 et seq., 39-26-106, 42-1-101 et seq., 42-6-101 et seq.; 49 U.S.C. § 32705; 49 C.F.R. Part 580; 15 U.S.C. § 1601; 12 C.F.R. Part 1026 (Regulation Z); 16 C.F.R. Part 455 (FTC Used Car Rule); Colorado Department of Revenue Motor Vehicle Division; county clerk guidelines.
