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How many liens can you have on a car?
I got into a bit of trouble, and now I have two liens on my car. I didn’t even know you could have more than one! So how many liens can you have on one car?
Macy Fouse · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about your dilemma! While it’s pretty uncommon for any car to have more than two or three, there’s technically no limit to how many liens you can have on a car. Most people only ever have one lien on their car—the lender for their
car loan
. This is considered a consensual lien since you knowingly accept a lien on your car until you’ve paid off your loan. Until then, however, the lender holds the car’s title and is considered the legal owner. However, that’s not the only kind of
car lien
. If you fail to pay your mechanic, get behind on child support payments, or neglect to pay your taxes, you could get stuck with multiple liens on your vehicle. Keep in mind that with each additional lien you have on your car, each subsequent lienholder will have less security on their investment. In most cases, no one wants to place a lien on a car that already has multiple ones.If you have more than a couple of liens on your car, it’s critical that you either try to consolidate your debts into a single debt, pay them off altogether, or set up a payment plan with each lender. Otherwise, you won’t be able to sell or trade your car.
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