<human>: I am 20 and living in North Dakota. A close family member and I have worked out the details of a $13,000 loan that I will use to purchase a vehicle. The loaner is a resident of California. 

We agreed on a 3 year loan that I will pay off monthly. I am working and have savings, and do not have a problem affording this vehicle. I have never had a credit card, and would not be approved for the vehicle I am purchasing, regardless of being able to pay over half of it off currently. The vehicle will be purchased in Minnesota, as there are no dealerships in my state. I have a ND license, and the vehicle will also be insured in ND. The family member is not able to take time off of work in the near future to purchase the bike in person, meaning I will purchasing it from the dealership by myself.

My question is what is the proper way to go about this receiving this loan and buying the bike. Minimal research says a gift under  $14K is tax free from a family member, assuming they haven't exceeded that amount yet this year in gifts. Assuming she hasn't, is it really as simple as her writing me a check and mailing it? Or what is the most logical way to transfer the $13,000 loan to my bank account? I'd prefer to pay the bike off at the time of purchase, seeing how I will be paying the loaner monthly, doubling up on payments with the dealership as well would not be ideal. 

Any and all advice is greatly appreciated. Much thanks.

Could you distill the essence of the text into 1-3 sentences?
<bot>: family member (CA) is loaning me (20yr, ND) $13K to buy a vehicle. How do we go about transferring me the money is they are unable to be there in person to buy the vehicle themselves.