I know the answer to this one!!! Your car will be registered in the state where you live. The biggest hassle with buying out of state is tax, tag & fees - not financing. Certain states will collect the sales tax for you & send it to your state but others will make you pay it at your home DMV. Of course you will still have to deal with your home DMV for tag transfers. Some regional banks won't work with out of the area dealerships, but you are essentially doing a cash deal with the dealership/private owner. All that being said you can still use a lot of national banks that do business all over or consider taking out an unsecured personal loan for the vehicle that sometimes gives you a lower rate. When I bought my XF I had the cash to pay for it upfront but didn't want to tie all that cash up in a depreciating asset (oh how depreciating!) so I put the cash in a secured account that earned a guaranteed 3.5% then took a personal loan out secured by that account that I pay back at 2.25%. Basically every car payment I make on my XF I am earning 1.25% - not a lot, but its something! I also have a clean, lien free title on my car. Creative financing can often be the way to go!

This is what I have been doing for a living for about 10 years so let me know if I can assist!