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How do I get the title back after paying off a car loan?
I've recently paid off my loan, but I live in a state where the lender holds the car title. How do I get it back?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Way to pay off your
car loan
! The next step is fairly easy, although receiving the title may take up to 30 days depending on your state.To get the title back after paying off a car loan, check to see if your state participates in the Electronic Lien and Title (ELT) System. If so, you don’t have to do anything! The system takes note that your car loan has been paid, and you’ll receive a new title in the mail without a
car lienholder
listed on it.If your lender or state doesn’t participate in the ELT, you will have to contact your lender to get the title back. Most of the time, they’ll mail you the lien and a lien release, which is a statement that says you’ve paid your loan. Then, you can go to the DMV and retitle your car.
Since you’ve paid off your loan, you also need to make an important decision about your car insurance. While you aren’t required to have
full coverage
insurance anymore, you may want to keep it to protect your investment.But if you’d rather drop it to save money on your car insurance premium, you can do that, too. Either way,
Jerry
can help.Have a question about your coverage? Jerry’s friendly agents are here to answer your questions and provide advice on the best coverage options. As your life changes, your insurance changes, and Jerry is ready to make those adjustments for you.
View full answer
- Gregory R.
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