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How do you find out the lien amount on a car?
I’m looking at buying a used car, but I’m not sure if the vehicle I found has a lien on it. If it does, how do I figure out the lien amount?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A lien is always a good thing to
look for when buying a used car
, so this is a great question! You can find out the lien amount on a car by viewing the title and comparing documentation, using the VIN to locate lien information, or purchasing a vehicle history report online. If you’re buying a used car from a dealership, the dealer is legally required to remove any liens before selling. However, for peace of mind that the car is lien-free, you can check for yourself—you just need the vehicle’s VIN to search. There are a few ways you can do this:
- Check with your state’s transportation agency or DMV: Some states’ DMV websites will allow drivers to perform an online lien search using the car’s VIN.
- Car title: If you have access to the vehicle’s title, it may list the lienholder, if there is one.
- Get a vehicle history report: A vehicle history report provides a lot of handy information, including lien history, along with things like odometer readings, previous owners, or major damage. You can obtain a vehicle history report through the National Motor Vehicle Title Information System, Autocheck, and Carfax.
If the car you’re looking at does have a lien, you will want to ensure it’s resolved before you agree to purchase the vehicle. Here’s how to do that:
- Pay the lien: If the lien still exists, the only way to get rid of it is by paying it. If you don’t clear the lien, the lienholder can repossess your car. If you bought a car with a lien, you can contact the seller ASAP and ask them to pay it, but they have no legal obligation to do so.
- Contact the DMV for documentation: Once the lien has been released, the DMV will note it on your title, and you will have clear ownership of the car.
View full answer
- Gregory R.
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