After paying off an auto loan, how do I get the lien removed and title the vehicle in my name in NJ? New Jersey

Pay Off Auto Loans, Hello Car Titles

After fulfilling your car loan obligations, contact your lienholder for the car title and a letter or statement of proof. This statement must be notarized and composed on the lender's letterhead by an authorized official. It must state you've satisfied your auto loan agreement and include your name and the vehicle make, model, and VIN. The title must be signed, dated, and stamped with the endorsement "lien satisfied."

Bring the following to any MVC office:

  • Your New Jersey car title.
  • Your letter of proof.
  • Cash, check, money order, or credit card (American Express, Visa, MasterCard) to pay $85 title re-issue fee.

Or, if you prefer, mail documents and a check or money order to:

Motor Vehicle Commission
Database Corrections
P.O. Box 141
Trenton, NJ 08666-0141 

No bill of sale is needed.

Why Apply for a Re-Issued Car Title

Removing the lien from your title will save you time down the road when it comes to selling the vehicle and completing a title transfer. Otherwise, you'll need to provide the buyer with proof that your title lien has been satisfied.

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