After paying off an auto loan, how do I get the lien removed and title the vehicle in my name in CA? California
Auto Loan Paid Off
Once you pay off your car loan, you may conduct a title transfer from the lienholder to you, the new owner.
Usually, after you make your last payment, the lienholder notifies the CA DMV of this and the lender sends you the title.
If the lienholder does not provide this service, then you must submit one of these items to the DMV yourself (all documents are available at a DMV office or online):
- Signature of the lienholder on the actual title.
- Lien Satisfied Statement form, which must be notarized and have the lienholder.
- Notarized statement from the lienholder (with the car’s description) stating that they have no loan on the vehicle.
If the title is lost, then fill out the Application for Duplicate Title. Include the Lien Satisfied Statement notarized form.
Title Transfer Fee
The CA DMV charges $15 to transfer titles.
Can’t Find Your Loan Holder?
Sometimes banks go out of business and you can’t get anyone to sign off on your loan. The California DMV will still have a record of the lienholder owning your auto loans, and you’ll need to clear the car title.
To find your bank, track them down using your loan records, Bill of Sale, or Internet searches to see who bought the bank or who it merged with or where it moved. The DMV cannot release your title without authorization from this institution. If you do all this and still can't locate your bank, then ask the DMV for specific advice.
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