The delivery of your vehicle title is governed by state-specific laws and/or regulations. Please find your state below to determine your expected timeline and whether additional action is required on your part.
If you have moved, please update your address with us before remitting your final payoff; we cannot guarantee address updates once the payoff has posted.
| IMPORTANT: These are general guidelines. Your specific title type may vary based on your contract date, state regulations, or other account factors. To confirm the exact status of your title, please contact your state vehicle titling agency. | |
| AZ, CA, CO, FL*, GA, ID, IL, IN, IA, KS, LA, ME, MD*, MA, MI, MS, NE, NV, NJ, NC, OH*, OK*, PA, RI, SC, SD, TX, VA, WA, WV, WI | In these states, titles are stored electronically by the state titling agency. Within 7 to10 business days of your payoff, we will electronically notify them that your account is paid in full. Depending on your state, the state titling agency will either:
Timeline: Please allow 6 weeks, then contact your state titling agency. |
| AL, AK, AR, CT, DE, HI, NH, NM, ND, OR, RI, TN, UT, VT, WY | In these states, we hold a physical paper title. Once your account is paid off, we mail your paper title within 7 to 10 business days to your address on file with us. Timeline: Please allow 2 to 3 weeks for mail. |
| KY, MN, MS, MT, NY** | In these states, the customer (you) holds the paper title. Once your account is paid off, we mail a lien release within 7 to 10 business days to your address on file with us. Once received, you must take this document along with the title in your possession to your state titling agency to have a "clean" title issued in your name. **New York also issues an electronic lien, which we will release within 7-10 business days to the state titling agency. Timeline: Please allow 2 to 3 weeks for mail. |
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