#Duplicate title illinois expedited how to
#Duplicate title illinois expedited license

It may take several business days for you to receive your lien release, but you can always check with the institution to make sure that the process has begun. Using this document, you can now apply for a new title for the vehicle. Get a Lien Release: Depending on the institution that gave you the loan, you may receive a release of the lien in the mail after you make your final payment.

#Duplicate title illinois expedited license

Sometimes, you can even enter a car's VIN, license plate number, or your information to see who has your loan on file and who to contact to get the lien off the title. This sort of merger always happens, so new information should be readily available. That will be especially helpful if you purchased a car and got a loan through a dealership that has merged with another dealer. And it can make it challenging to find the lienholder and get the finalized paperwork after you have paid off your loan.įortunately, there are ways that you can find out what institution is holding the lien and work with them to get them removed.Ĭhecking with your state's vehicle authority will always be your best bet when searching for the official lienholder of a vehicle. Sometimes, institutions will merge or go out of business while you are paying off the loan. If you plan on selling the vehicle as soon as you make the final payment, be aware that you may have to wait until you receive the title, with you listed as the sole owner.įind the Lien Holder: In some cases, you may need to find out who holds the lien on your car. It can take anywhere from a few business days to 30 days, so it is important to factor this time in. That will require you to bring all the documentation relating to your last payment to the agency and wait for the new certificate of title. If there is a lien on your title and you want to take it off after making the last payment, you will have to apply for a duplicate title from your state's vehicle registry.

#Duplicate title illinois expedited how to

How to Get Your Title if There Is a Lien on It Before claiming that you are the sole owner of a car, you need to get all liens off the car's title. It means the bank owns the car while you still pay it off.Ī lien on the title can also mean that another institution can claim ownership of the vehicle, such as a court or law enforcement agency, depending on the circumstances. A lien means that there is another owner of the vehicle aside from you as the primary driver. The title will have a lien when you purchase a car with an auto loan. It makes everything easier for you but it may take longer while it goes through all the channels. The lender will hold onto the title for the loan term.īecause of this, the lender will take care of the process of getting you a new title when the time comes. In a non-title holding state, you won't receive a copy of the title until you have made all the payments on the loan. It could include things like getting insurance or any instance where you would have to prove that you are the vehicle's legal owner. It will have you and the lender listed as owners, and you will use this to show proof of ownership in any situation that might be warranted. In a title-holding state, you will get your copy of the car's title as soon as you purchase the vehicle. You should also know whether your state is a title-holding or non-title-holding state. Keep this documentation, as you will most likely need it to transfer the title to you as the sole owner. Depending on the lender, this will either come in the mail or through electronic means. No matter where you live, it would be best to get a written notice when you make your final payment.

This way, you can be sure you are going about it correctly when you make your final payment. The best way to do this is to go to your state DMV's website and see the steps to get a new title. Every state has its own set of rules and regulations, and you should know what the requirements are for where you live. Generally, the process for getting a new title for your vehicle will change from state to state. Knowing how to go about this will make the whole thing easier when the time comes. However, depending on the circumstances, you may have to go through a longer or more complex process to get the duplicate title and remove the lender's name. That allows you to do whatever you want with the vehicle, including selling it, should that be something you are considering doing. How to Get Your New Title After Paying Off a Loan:Īfter you pay off your auto loan, you must get a new title to ensure you are the only listed owner.