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There are only nine title-holding states: Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off.

Your car's title is the proof that you are the rightful owner. State governments issue car titles, typically through their department of motor vehicles or a similar agency. If you need a replacement car title, you can get one online, in person, or by mail, depending on the state.

If you need to replace your Michigan vehicle title, apply for a duplicate title through your online Secretary of State account. Duplicate titles cost $15. If you have a lien on your vehicle, the title will be sent to your lienholder.

Once the final payment on your loan has been processed by your lender you will automatically receive a paper title mailed to you from the Michigan Department of State. Please make sure to provide your lender with your current mailing address to ensure proper receipt of your paper title.

Yes, you can sell a car without a title if you have proof of ownership. Selling a car without proof of ownership is illegal in most states. That said, it's not uncommon to discover that you don't have your car's title in your possession.

To order: Visit any Secretary of State office. Sign the title application and present your identification. Pay the duplicate title fee of $15. The cost will be $20 for a same-day title. Your duplicate title will arrive in the mail in 14 days.

Visit Michigan.gov/SOS and select Online Services. Locate the Vehicle Transactions section and select the link to Request a Duplicate Title. Create or log into your Secretary of State online account. Follow the screen prompts to complete your transaction.