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How to get a lien lifted from a used car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering interactive tools and financial calculators as well as publishing unique and impartial content, by enabling users to conduct research and compare information at no cost - so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on this website, for example for instance, the order in which they appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage or home equity, and also other home loan products. But this compensation does have no impact on the content we publish or the reviews appear on this website. We do not contain the entire universe of businesses or financial offers that may be open to you.



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3 min read Published 19 January 2023
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the details of using loans to buy a car.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing precise, well-studied data that lets complicated topics into bite-sized pieces.









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An lien can be described as, at its simplest it is an insurance policy can be used by a lender uses to protect its own interests in the event that a borrower fails to pay on a financed vehicle. A lien is the lender's legal right to the vehicle, and it remains in place until the loan is paid in full. If you recently on the title, follow these steps to place yourself in a better financial position. What is a lien on a vehicle? While the thought of an obligation on your vehicle may feel daunting however, it's not unusual. Vehicles financed with the help of a loan are usually placed under a lien until the loan is paid off. This "insurance policy" put in place by the lender provides it with the legal right to retain the vehicle's title until the balance of the loan is paid in full. A majority of motorists do not understand how a lien works until they try to and discover that they are not able to. If a lien has been put that is on a vehicle it is possible for creditors or lenders to if the loan has not been completed or has fallen into default. Along with affecting the ability to sell a vehicle the lien can also affect the cost of . How to tell if a vehicle is encased in a lien When buying a second-hand car it is always recommended to request that the seller provides the buyer with a written confirmation from the lender which states that the lien has been removed. If the seller is providing you with the title, you should check with your nearest Department of Motor Vehicles first to ensure there is no lien. In certain instances it is possible to access the DMV website to search for a lien by using the 17-digit (VIN). This number may be located in different places, like the lower left of the windshield. If you get a title for the used car there is a good chance that the lien was fully paid -- it just hasn't been released properly. This can happen because of a bank error or be hidden in the confusion of a merger or . Be aware of it when you work with the buyer. Where can you find information about lien Lien information can be tracked down through a variety of methods, like: Department of Motor Vehicles Utilizing the vehicle's identification number, you can determine the status of a lien on a vehicle at the Department of Motor Vehicles. In many areas, you can do a lien search online by using the DMV website. It is also possible to call the local DMV to inquire about lien information. Reports on the history of your vehicle: Numerous websites online offer vehicle history reports for a fee. These websites, like VIN Smart and AutoCheck, offer full reports on the history of your vehicle as well as the information about lien. How to get a lien removed from a car title Buying the used car you want to purchase is not a good idea if there are strings that are attached, especially not an obligation to pay. Even though it could require some effort and perhaps a couple of weeks, you should be able to solve your problem for a minimal or no cost. Contact the seller before purchasing a used car through an agent, make certain to ask the salesperson if there's an outstanding lien on the car. In such cases the dealership usually handles clearing up the lien. If you're financing the purchase with an loan then your lender becomes the . If so, you should request to provide proof that the car loan was fully paid by means of canceled checks or a paid-in-full letter. The seller is responsible to pay off the loan in order to transfer the title of the car. This requirement can be included in the purchase contract. It's also a good idea to reach out to the lender directly and inquire about the lien status. You can even do it prior to finalizing the purchase. Ask about the total amount required to release the vehicle as and other conditions that could affect the sale. Request the removal of a lien if the lender is a bank which has failed (or is a subsidiary of one), you can contact The Federal Deposit Insurance Corp. directly to request a release notice. The FDIC can help you obtain a lien if you have confirmed that the bank in receivership was placed in FDIC receivership. It has a search feature that allows users to check the database of banks in receivership. The FDIC maintains an individual list of failed banks , including specifics about what happened to the banks that were purchased by another financial institution. If you have the documents you require, you are able to make it available to DMV and DMV and . The main point is, it's hard to be able to enjoy your new vehicle when there's a lien attached to it. Make sure the previous owner is able to pay the amount owed, to ensure that the vehicle is entirely yours, rather than the lender's.


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Authored by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely using loans to buy the car they want.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down complicated subjects into bite-sized pieces.






Auto loans editor




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