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3 min read Published June 23, 2022
The story was written by Holly D. Johnson Written by an Award-Winning Author and Writer

Holly Johnson writes expert content on personal finance, credit cards loyalty, insurance and other topics. In addition to her work for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and many more.







Edited by Chelsea Wing Edited by Student loans editor

Chelsea is with Bankrate since early 2020. She is invested in helping students navigate the daunting cost of college as well as dissecting the complexity in student loans.









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When you've completed the final payment for an , you will need to get the title from your lender to show that you legally own the vehicle. This title is also a crucial document in the event that you decide to selling your vehicle down the road. What a car title lien is is a note showing that your car is , often, your lender. In a lot of ways, a lien on your car is similar to a property title lien for your house. With a lien in place it is the lender holds the rights to the vehicle until you pay off what you borrowed, as well as fees and interest. Once your loan is paid in full you can remove the lien from your automobile title is lifted, and the title will be transferred to you. The title of the vehicle passes from the lender to you. How do you obtain your title once you have paid off the car loan When you've paid on your car loan the lien holder is required to notify your State's Department of Monitor Vehicles (DMV). It can be done electronically or by submitting specific documents required by the state. Whatever method you choose, they'll inform the state that you do not have a balance to your loan and that you are only the owner of your car. "After you've paid off your auto loan and have it cleared, you'll be able to get an "unconstrained and undisputed" vehicle title, meaning you are now the sole owner of the vehicle," says Julie Shinn the vice director for lender administration at RateGenius. "Anytime there are ownership changes that require updating on the record." The process for changing the title procedure varies from state to state. procedure for obtaining the title to your car that you have paid off depends on the laws of your state. Some states manage the whole process, while others require you to do some tedious work. According to Shinn you, your lender will give you an obligation to file a lien release in states where you must submit a claim to obtain your title. This will include formal proof that the loan is fully paid. From there, you'll take those documents to your state DMV for an updated title solely in your name. If you live in another state, once the DMV is informed, they will automatically mail you the title for your car with nothing required on your part. For more information on the process in your state, go to the State's DMV website . What is the time it takes to obtain a title after loan repayment Shinn says there are states in which you are required to file paperwork for an auto title that is new under your name. You can expect to receive your new title anywhere between two and six weeks after you have submitted the paperwork. But since every state's processing time is different so the process can be shorter or longer. Nishank Khanna, a CFO at Clarify Capital, says that states that have DMVs that issue auto titles electronically could take less time, generally about 15-30 days. However, processing and mail time can drag things out therefore, be sure to contact them via phone or email, or even an in-person visit in case you feel you've been waiting too long. The final considerations regarding liens While it's normal to have a lien on vehicles, you should be aware of some important details to keep in mind. For instance, a lien on your vehicle may -- or at least make selling it more difficult, says Brian DeChesare of Mergers and Inquisitions. This is due to the fact that you'll be required to pay back your car loan and get access to the title before you can sell your vehicle as well as transfer title someone else. You may not have the funds to pay off your car before the sale, and if you happen to owe more money than your car's value then you'll be required to pay the difference. DeChesare adds that the reverse is true as well: You cannot get the title of a car when you're buying from someone who has a lien until they've paid off the car. This can be an extremely difficult process. But, certain DMVs offer a lien search function where you can find out who holds the title of the car and then contact them directly. Because of these challenges, many drivers simply sell their cars with a lien to their dealership to upgrade. When you at a dealership will be given an amount to trade in your car , which is likely to be greater than you have to pay. The dealer will take care of transferring the title to its name to allow it to sell your car to someone else, taking you entirely out of the equation. The conclusion If you're hoping for your car's title after paying back your automobile loan, you may need to do nothing more than sit back and just wait. In some states, a trip to the DMV could be in the future. In any case, you can be happy that you completed the repayment of your auto loan. Think about your future financial plans before deciding to upgrade to a new vehicle that has a new payment in particular if your current vehicle is in good working order. Find out more


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Written by an Award-Winning Author, Author

Holly Johnson writes expert content on personal finances, credit cards loyalty, insurance and other topics. In addition to her work articles for Bankrate and CreditCards.com, Johnson is also a regular contributor for clients which include CNN, Forbes Advisor, LendingTree, Time Magazine and many more.



Edited by Chelsea Wing Edited by Student loans editor

Chelsea has been with Bankrate since early 2020. She's committed to helping students manage the steep cost of college as well as simplifying the maze that are associated with student loans.






Student loans editor




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