Frequently Asked Questions about Title & Lien Release

A title is the legal form that establishes ownership of a motor vehicle and includes information such as: Identifying information about the vehicle; the vehicle identification number (VIN); the year/make/model; the name and address of the purchaser or registered owner; and the name of the lienholder or “legal owner” if applicable.

Will I receive my title while my loan is active?

This varies by state. Some states will send it to the vehicle owner while other states will send it to the lienholder. Some states have paperless titles and they are maintained electronically at the state’s Department of Motor Vehicles (DMV). Check with your state’s DMV to confirm how they manage auto titles.

How much does it cost to get a title?

Title fees vary by state. Please contact your state’s Department of Motor Vehicles (DMV) to learn more about the costs.

How can I get a replacement title?

Each state has different procedures to replace titles. Contact your state’s Department of Motor Vehicles (DMV) if you need to replace a lost or damaged title.

What is a lien release and how does it work?

A lien release is a document that shows that the lienholder’s security interest in the vehicle has been released. You can provide the lien release to your state motor vehicle titling agency to obtain a lien-free title to your vehicle.

If I move, how do I update my registration and title?

You should contact your new state’s Department of Motor Vehicles (DMV) to update your registration and title or to ask them questions about how long their process takes. A number of states have timelines for updating this information and penalties for failure to do so.

The DMV will send a letter to us requesting the necessary documents to complete the transaction. Give your DMV the following:

I recently paid off my loan. When will I receive my title/lien release?

The lien/release or title will be sent to the mailing address that appears on your auto billing statements unless you have notified us of a different address.

How do I get the title when I pay off my loan if my vehicle is titled in an electronic (paperless) state?

If your vehicle is titled in an electronic (paperless) state, we'll release the lien electronically, and notify you when we've done so. Then, your state’s motor vehicle titling agency will mail a lien-free title to you, according to its own timeframe. (Florida requires the title to remain electronic unless the owner requests a paper title.) Contact your state’s Department of Motor Vehicles (DMV) to determine if the title is electronic and for their completion times, because it varies state to state.

What address will you send my lien release or title to?

We’ll mail your title or lien release to the mailing address that appears on your auto billing statements. Make sure to review your address with us and your state’s Department of Motor Vehicles (DMV), and make any necessary updates before completing your payoff.

If your state’s DMV has an electronic (paperless) title program and your record is held electronically, we’ll release our lien directly with the DMV and the DMV will generally mail the lien free title to the registered owner’s address, unless otherwise instructed.

Keep in mind: Florida doesn’t generate a lien-free title when the electronic lien is released. You can contact the state’s DMV to request a lien-free title.

How can I obtain a lien release if I lost or damaged my title?

To obtain a lien release, you can contact us through the Secure Message Center or by mail:

700 Kansas Lane

Monroe, LA 71203

All requests should include the following information:

You can also call Customer Service at 1-800-336-6675; We accept operator relay calls.

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