Guides · Updated June 2026 · ~4 min read

Why some states can't list, buy, or sell on Zoooom yet

If your vehicle is titled in one of a handful of states, you can still add it to your Zoooom garage and track everything about it — but you won't be able to list it for sale, make or accept offers, or complete a payment on Zoooom right now. Here's exactly which states, and the title-law reason behind it.

What's restricted: listing a car, submitting or accepting offers, and any buy/sell payment. What's still fine: adding the car to your garage, tracking maintenance and service records, recalls, and market value.

The restricted states

Transactions are paused for vehicles titled in these states:

Kentucky (KY)
Maryland (MD)
Michigan (MI)
Minnesota (MN)
Missouri (MO)
Montana (MT)
New York (NY)
Oklahoma (OK)
Wisconsin (WI)
Wyoming (WY)

The title-law reason

When you finance a car, two things can happen with the paper title, depending on the state:

In most states, the lender holds the title until the loan is fully paid off. The owner can't transfer the car without the lender releasing the title — which means a clean sale generally requires the loan to be satisfied first.
In the states listed above, the DMV issues the title directly to the owner even while the loan is active, and the lender is simply printed on the title as the lienholder.

In that second group, an owner physically holds a title to a car that may still have money owed on it. That makes a safe, clean marketplace transfer more complicated: a sale has to correctly route the payoff to the lienholder and clear the lien before the buyer can get a clean title. Until Zoooom's payment flow handles lien payoff end-to-end in these states, we've paused listing, buying, and selling there rather than risk a buyer paying for a car that still carries a lien.

This is temporary. The restriction is about protecting both buyers and sellers while we build proper lien-payoff handling for these states. Your garage, records, and market-value tools all keep working in the meantime.

What you can still do

Add the vehicle to your digital garage and keep it there.
Track maintenance, service records, and receipts.
See recalls and market-value estimates.
Everything except listing it for sale, making/accepting offers, and taking payment.

Frequently asked

Why is the gate based on both the car's state and my state?

The title rule follows where the car is titled, so that's the primary signal. We also check the state associated with your verified identity, so a buyer or seller connected to a restricted state is handled consistently even if the car is elsewhere.

I paid off my loan — can I sell now?

The restriction is currently applied at the state level while we finish lien-payoff handling. If you believe your situation should be eligible, contact us and we'll help.

Is my list of states final?

We err on the side of caution and may adjust the list as we confirm each state's title and lien rules. If you have questions about a specific state, reach out.