Discard Title Release For Free

In recent years, Florida and other states have been using the electronic lien and title program (ELT) to add and remove a lien on a vehicle title. When you pay off your loan that financed the purchase of your car, boat, mobile home, etc? Afterwards, the bank or finance company will release the lien.

If a lien exists on the vehicle, the lienholder must release the lien before the title can be transferred. The lienholder will typically sign off on the title or provide a separate lien release document. Once the lien is released, the title can be transferred to the new owner.

NJMVC requires the following items to remove a lien from a title: Vehicle Title, Vehicle registration, insurance card or declaration page, Bill of Sale, Certified record title search, DO-22 (by mail only, $15), Or, a certified record vehicle registration, DO-11A (can be obtained same day at a full-service agency, $15).

Once your car loan is completely paid off, obtain a car title lien release from your lender so your state BMV or DMV can put the car title in your name. The lien removal process varies by state and typically involves completing paperwork and paying a fee for the new car title.

The lienholder's release, if any, must be notarized. The buyer should then bring the completed form to a DMV office and we will issue a new registration and title. Make sure you have all signatures on the proper lines to avoid delays.

A lien is when a lienholder (i.e., a bank, dealership, etc.) has a secured interest in a vehicle, mobile home, or vessel in the form of a debt due to the lienholder.

Once you pay off your loan, your lender will send you an official release of lien letter. Take that letter to your state's Department of Motor Vehicles office (or, in some cases, to your local city or town clerk's office), and they'll issue you a car title in your name.