How do I obtain my title after a car loan payoff?

I just paid off my car loan and I know I need to retitle it. How can I get my title?

Answer
Congratulations! It’s a big deal to pay off your car loan.
If you’re in one of the 41 title-holding states, your lender holds the title until you pay off your car loan.
Some states make this totally automated, meaning you won’t have to do any grunt work—the title will just show up in the mail at your house. In other states, you may have to go to the lender to request your title after you pay off the car loan.
Once you have the title in hand, go to the DMV to retitle the car in your name. When you do this, you may need some additional documentation, including:
  • Lien release
  • Odometer reading
  • Safety inspection
  • Application for retitling
If you have all of these, retitling your vehicle should be easy, but you have one more important decision to make: what type of insurance do you want?
Some people who pay off their loan choose to switch to less coverage due to the age of the vehicle. If you’re looking for new insurance, make sure to use the Jerry app. Sign up in minutes, compare quotes from up to 50 top providers, and let Jerry do the rest.
Eric Schad
Answered on Oct 25, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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