{"id":43716,"date":"2022-07-18T11:24:40","date_gmt":"2022-07-18T11:24:40","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=43716"},"modified":"2022-07-18T15:46:37","modified_gmt":"2022-07-18T15:46:37","slug":"how-to-obtain-your-car-title-after-loan-payoff","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/","title":{"rendered":"How To Obtain Your Car&#8217;s Title After Loan Payoff"},"content":{"rendered":"<div>\n<p style=\"text-align: center;\"><i><span data-contrast=\"auto\">\u00a0So you&#8217;ve finally completed paying off the car loan you&#8217;ve had for the past few years. There are a couple of other things to do before you can finally say you own it completely! Here&#8217;s how to obtain your car&#8217;s title after loan payoff.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Unlike the rare few people who can afford to buy a car with cash, average Americans usually take auto loans. And to be honest, it truly doesn&#8217;t feel like you own the car until you completely pay off the loan! Getting a &#8216;free and clear&#8217; vehicle title in your hand is what ultimately makes the wait worthwhile. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Depending on the state you have registered the car in, the title could be either with the lender or with yourself. Either way, once you have paid off the loan, you will need to update it to reflect the new ownership. Here&#8217;s everything you need to know about the process.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#What_is_a_car_title\" >What is a car title?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#What_happens_after_I_pay_off_my_car_loan\" >What happens after I pay off my car loan?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_to_get_your_title_after_paying_off_your_car_loan\" >How to get your title after paying off your car loan\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#Where_is_the_Electronic_Lien_and_Title_ELT_system_in_use\" >Where is the Electronic Lien and Title (ELT) system in use?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_long_does_it_take_to_get_a_car_title_after_loan_payoff\" >How long does it take to get a car title after loan payoff?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#Where_can_you_find_your_vehicles_lienholder\" >Where can you find your vehicle&#8217;s lienholder?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_can_you_get_a_lien_release\" >How can you get a lien release?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_can_I_get_the_title_to_my_car\" >How can I get the title to my car?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#Why_did_my_credit_score_go_down_when_I_paid_off_my_car\" >Why did my credit score go down when I paid off my car?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_long_does_it_take_for_your_credit_to_go_up_after_paying_off_a_car\" >How long does it take for your credit to go up after paying off a car?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#How_long_does_it_take_to_get_a_car_title_after_paying_off_a_loan_in_California\" >How long does it take to get a car title after paying off a loan in California?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/#Can_I_sell_my_car_without_a_title\" >Can I sell my car without a title?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_is_a_car_title\"><\/span><span data-contrast=\"none\">What is a car title?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>A certificate of title or car title is a document that provides proof of ownership of a vehicle. It includes all the vehicle details like the vehicle identification number, license plate number, year, make, model, and more. It also includes the name of the lienholder (if any).\u00a0<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43771 size-large aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/07\/Car-Title-777x1024.jpg\" alt=\"\" width=\"640\" height=\"843\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Car-Title-777x1024.jpg 777w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Car-Title-227x300.jpg 227w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Car-Title-768x1013.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Car-Title-1165x1536.jpg 1165w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Car-Title.jpg 1553w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p style=\"text-align: center;\"><em>Image Credit: <a href=\"https:\/\/www.flickr.com\/photos\/kars4kids\/12208756176\" target=\"_blank\" rel=\"noopener\">Kars for Kids<\/a> via Flickr (<a href=\"https:\/\/creativecommons.org\/licenses\/by\/2.0\/\" target=\"_blank\" rel=\"noopener\">Attribution 2.0 Generic<\/a>)<\/em><\/p>\n<p><span data-contrast=\"auto\">The lienholder&#8217;s name is usually included for most titles if the car was bought via an auto loan. It is the party that has the rights to the car until the loan is paid in full and is usually a bank, credit union, or financial firm. In some states, the lienholder holds the car&#8217;s title and is considered the legal owner until the loan is paid off.\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That means the lender holds the car&#8217;s title and is considered the vehicle&#8217;s legal owner until the loan is paid in full. The lien protects the lender and allows them to repossess the car if the borrower stops making payments.<\/span><span data-contrast=\"auto\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/span><i><span data-contrast=\"auto\">\u00a0\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_happens_after_I_pay_off_my_car_loan\"><\/span><span data-contrast=\"none\">What happens after I pay off my car loan?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>When you finally pay off your car loan, the lienholder will endorse the release of the lien to the new owner &#8211; you. The next procedures depend a lot on which state you are in and their specific transportation laws.\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">In some states, they will send the current title and other documents electronically to the DMV, which will then update the title and send it to you without any effort on your part. In other states, the lender may mail the lien release to the DMV, and you will have to collect the updated title from them in person.<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_to_get_your_title_after_paying_off_your_car_loan\"><\/span><span data-contrast=\"none\">How to get your title after paying off your car loan<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">The process for getting your car title varies slightly depending on the state you have registered the vehicle in. Broadly, we can divide them into two categories: <\/span><b><i><span data-contrast=\"auto\">title-holding states<\/span><\/i><\/b><span data-contrast=\"auto\"> and <\/span><b><i><span data-contrast=\"auto\">non-title-holding states.<\/span><\/i><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">In title-holding states<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">In such states, the car title will be kept with the lienholder (i.e. the lender) and NOT with the registered owner (borrower). Once the loan is paid off in full, the lienholder can notify you and the concerned DMV in one of two ways:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"text-align: justify;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Electronic Lien and Title (ELT) system:\u00a0<\/span><\/b><span data-contrast=\"auto\">If your state uses ELT, the lienholder will notify the state DMV electronically once you make the final payment. Usually, they will wait for two weeks after your final payment to do so. The DMV will update the car title accordingly and send it to you over email. If you need a paper copy, you may have to request it specifically.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Manual notification<\/span><\/b><span data-contrast=\"auto\">: In states where ELT has not been adopted so far, the lienholder will send the current title and &#8216;release of lien&#8217; letter to the DMV via regular mail. You can contact the DMV to get the updated car title that reflects the change in ownership.<\/span> \u00a0<span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">In non-title-holding states<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">Non-title holding states allow you to retain the car title with yourself even if you financed it via an auto loan. The registered owner (i.e. you) gets to hold the car title for the duration of the loan, while the lienholder will receive a separate document verifying their connection to the vehicle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><em>There are only nine non-title-holding states in the US &#8211; <b>Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, and Wisconsin<\/b>.\u00a0\u00a0<\/em><\/p><\/blockquote>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Where_is_the_Electronic_Lien_and_Title_ELT_system_in_use\"><\/span><span data-contrast=\"none\">Where is the Electronic Lien and Title (ELT) system in use?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">The ELT system has created by the American Association of Motor Vehicle Administrators (AAMVA) to be adopted across the country. However, only six states have adopted the AAMVA ELT system:<\/span><strong> Arizona, Hawaii, Ohio, South Carolina, Texas, and Virginia.\u00a0<\/strong><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_get_a_car_title_after_loan_payoff\"><\/span><span data-contrast=\"none\">How long does it take to get a car title after loan payoff?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">Depending upon the state your vehicle is registered in, it will <strong>take between two to six weeks to update your car title.<\/strong><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43772 size-large aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-1024x682.jpg\" alt=\"\" width=\"640\" height=\"426\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-1024x682.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/Depositphotos_307988114_L.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Where_can_you_find_your_vehicles_lienholder\"><\/span><span data-contrast=\"none\">Where can you find your vehicle&#8217;s lienholder?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>If you are in a <strong>non-title holding state,<\/strong> the vehicle&#8217;s lienholder will be listed in the title, which is in your possession.<\/li>\n<li>You can also find your vehicle&#8217;s lienholder by checking with your<strong> <a href=\"https:\/\/www.dmvlist.com\/\" target=\"_blank\" rel=\"noopener\">state DMV<\/a> <\/strong>by using the vehicle identification number.<\/li>\n<li>A <strong>vehicle history report<\/strong> can also give you information about the lienholders, odometer reading, previous owners, and more.<\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_can_you_get_a_lien_release\"><\/span><span data-contrast=\"none\">How can you get a lien release?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A lien release is a document confirming that you have paid off the loan amount due to the lender and that the lienholder is transferring full ownership to you.<\/p>\n<ul>\n<li>Ensure you have completely paid off the loan balance, including any interest. Ideally, the lender must endorse a &#8216;release of lien&#8217; document upon clearing the loan.<\/li>\n<li>The lender must notify the DMV that your loan has been paid off.<\/li>\n<li>You may need to contact the DMV to ensure they have received the lienholder&#8217;s notification.<\/li>\n<li>The DMV will then update the new title with your ownership details electronically. You also request a paper copy if you need one.<\/li>\n<\/ul>\n<h2 aria-level=\"2\"><i><span data-contrast=\"none\">Frequently Asked Questions (FAQ)<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_can_I_get_the_title_to_my_car\"><\/span><span data-contrast=\"none\">How can I get the title to my car?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>If your vehicle is registered in a state that uses ELT, the lienholder will notify the state DMV electronically and send them a &#8216;release of lien&#8217; document. The DMV will update the car title to reflect the change in ownership and send it to you.<\/strong><\/p>\n<p style=\"text-align: justify;\">If you are in a state that does not use ELT, the same process will be followed through the regular mail system. You may have to contact the DMV to check if the lienholder has sent in the current title and may have to pick up the updated title in person.<\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Why_did_my_credit_score_go_down_when_I_paid_off_my_car\"><\/span><span data-contrast=\"none\">Why did my credit score go down when I paid off my car?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>Your credit score could drop even if you recently closed a car loan because you may not have any other active installment loans.<\/strong> When you pay off your only active loan, it is called a closed credit account. According to FICO, people with no active loans are more likely to default than those with multiple loans that are regularly repaid.<\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_long_does_it_take_for_your_credit_to_go_up_after_paying_off_a_car\"><\/span><span data-contrast=\"none\">How long does it take for your credit to go up after paying off a car?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There will be a slight dip in your credit score when you pay off a car loan. But it will usually improve within the next 30-45 days.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_get_a_car_title_after_paying_off_a_loan_in_California\"><\/span><span data-contrast=\"auto\">How long does it take to get a car title after paying off a loan in California?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can get your new title between 15-30 days from the date you pay off the loan.<\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Can_I_sell_my_car_without_a_title\"><\/span><span data-contrast=\"none\">Can I sell my car without a title?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\" aria-level=\"2\"><span data-contrast=\"none\">Yes, you can sell cars that are older than 20 years or considered a collectible without a title. But you must have a bill of sale. However, to sell a fairly new car, you will need to show proof of ownership. <\/span>The best option is to <a href=\" https:\/\/dev.way.com\/blog\/how-to-replace-lost-car-title\/\" target=\"_blank\" rel=\"noopener\">replace a lost car title<\/a> before selling it to someone else.<\/p>\n<\/div>\n<div><a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/02\/REFINANCE-BANNER.png\" alt=\"How to get your car title after paying off a loan\" width=\"744\" height=\"276\" \/><\/a><\/div>\n<div><\/div>\n<div>\n<hr \/>\n<\/div>\n<div style=\"text-align: center;\">\n<p><em>Here&#8217;s more info on <\/em><a title=\"https:\/\/www.way.com\/airport-parking\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated airport parking\"><em>top-rated airport parking<\/em><\/a><em>,\u00a0<\/em><a title=\"https:\/\/www.way.com\/cities\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link the best parking spots in your city\"><em>the best parking spots in your city<\/em><\/a><em>, the most affordable\u00a0<u><a title=\"https:\/\/www.way.com\/auto-insurance\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link auto insurance\u00a0\">auto insurance\u00a0<\/a><\/u>for your car, easy <a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\">auto refinance<\/a>, and <\/em><a title=\"https:\/\/www.way.com\/car-wash-near-me\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated car washes near you\"><em>top-rated car washes near you<\/em><\/a><em>.<\/em><\/p>\n<hr \/>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0So you&#8217;ve finally completed paying off the car loan you&#8217;ve had for the past few years. There are a couple of other things to do before you can finally say you own it completely! Here&#8217;s how to obtain your car&#8217;s title after loan payoff.\u00a0 Unlike the rare few people who can afford to buy a&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/\">Continue reading <span class=\"screen-reader-text\">How To Obtain Your Car&#8217;s Title After Loan Payoff<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":43769,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855],"tags":[6111,6112,6113,6114,6115,6108,6109,6110],"class_list":["post-43716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","tag-what-happens-when-you-pay-off-your-car","tag-what-happens-after-you-pay-off-your-car","tag-paid-off-car-loan-title","tag-car-loan-paid-off-title","tag-do-you-get-a-car-title-when-you-finance","tag-paid-off-car-how-to-get-title","tag-how-long-does-it-take-to-get-car-title-from-bank","tag-do-you-get-a-title-when-you-finance-a-car","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How To Obtain Your Car&#039;s Title After Loan Payoff &#187; Way Blog<\/title>\n<meta name=\"description\" content=\"Finally closed that car loan you&#039;ve been paying? Before you own it completely, here&#039;s how to obtain your car&#039;s title after loan payoff.\u00a0\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Obtain Your Car&#039;s Title After Loan Payoff\" \/>\n<meta property=\"og:description\" content=\"Finally closed that car loan you&#039;ve been paying? Before you own it completely, here&#039;s how to obtain your car&#039;s title after loan payoff.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.way.com\/journal\/how-to-obtain-your-car-title-after-loan-payoff\/\" \/>\n<meta property=\"og:site_name\" content=\"Way Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-18T11:24:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-18T15:46:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/car-title1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mahesh SL\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mahesh SL\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/\"},\"author\":{\"name\":\"Mahesh SL\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/person\\\/c916386c61281bccf925ffea1c3d35d9\"},\"headline\":\"How To Obtain Your Car&#8217;s Title After Loan Payoff\",\"datePublished\":\"2022-07-18T11:24:40+00:00\",\"dateModified\":\"2022-07-18T15:46:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/\"},\"wordCount\":1335,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/car-title1.jpg\",\"keywords\":[\"what happens when you pay off your car\",\"what happens after you pay off your car\",\"paid off car loan title\",\"car loan paid off title\",\"do you get a car title when you finance\",\"paid off car how to get title\",\"how long does it take to get car title from bank\",\"do you get a title when you finance a car\"],\"articleSection\":[\"Auto Refinance\",\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/\",\"name\":\"How To Obtain Your Car's Title After Loan Payoff &#187; Way Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/how-to-obtain-your-car-title-after-loan-payoff\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/car-title1.jpg\",\"datePublished\":\"2022-07-18T11:24:40+00:00\",\"dateModified\":\"2022-07-18T15:46:37+00:00\",\"description\":\"Finally closed that car loan you've been paying? 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