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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 mission is to help you make better financial choices by offering interactive financial calculators and financial tools that provide objective and original content, by enabling you to conduct your own research and compare information at no cost - so that you can make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies who pay us. This compensation may impact how and where products appear on this site, including for instance, the sequence in which they appear in the listing categories and other categories, unless prohibited by law for our mortgage, home equity and other home lending products. This compensation, however, does have no impact on the content we publish or the reviews that you see on this site. We do not contain the universe of companies or financial offerings that could be available to you.



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3 min read . Published on January 19, 2023.
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls 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 dedicated to helping readers gain confidence to manage their finances through providing precise, well-studied data that lets complex subjects into digestible pieces.









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A lien is, at its most basic it is an insurance policy is used by a lender utilizes to safeguard itself in the event of a default by a borrower on a loaned vehicle. It is the lender's legal right to the vehicle and remains in force until the loan has been paid in full. If you have recently taken out a title, you should take these steps to place yourself in a better financial situation. What exactly is a car lien? While the thought of an obligation on your vehicle could be intimidating but it's not unheard of. Vehicles that are funded by the help of a loan are typically put under a lien until the loan is fully paid. This "insurance policy," put in place by the lender allows it to have the legal right to retain the vehicle's title until the balance of the loan is paid in full. A lot of drivers don't understand how a lien works until they attempt to do so 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 take over the loan is not paid back or is in default. In addition to affecting the capacity to sell a car it also affects the cost of . How can you tell if your car is in the midst of the sway of a lien? When purchasing a second-hand car is to ask the seller to provide you with a confirmation letter from the lender stating that the lien has been lifted. If the seller is providing you with a title, you should check with your local Department of Motor Vehicles first to make sure there's no lien. In certain instances it is possible to use the DMV website to search online for a lien using the 17-digit (VIN). The VIN number can be found in a variety of places, such as the lower left of the windshield. When you receive a title for the used car it is likely that the lien has been paid in full it just hasn't been issued in the proper way. This could be due to an error in the bank, or it can get lost in the shuffle of a merger or . Be aware of it when you work with the buyer. Where can you find information about lien The information on lien is available in several ways like: Department of Motor Vehicles Utilizing the vehicle's identification number, you can verify the lien status of your vehicle through the Department of Motor Vehicles. In many areas you can conduct a lien search on the internet using the DMV website. You may also be able to contact the local DMV to obtain the lien information. Report on vehicle history: Many websites online offer vehicle history reports at a cost. These websites, like VIN Smart and AutoCheck, provide full vehicle history reports together with the information about lien. How to remove a lien from the title of a car an used vehicle shouldn't come with any strings attached -- particularly not an obligation to pay. Although it may require some work and perhaps a couple of weeks, you can probably resolve your issue for a minimal or no cost. Contact the seller before buying a pre-owned car from the dealer, make sure to discuss with the salesperson whether there's a lien attached to the vehicle. In these situations the dealer typically takes care of clearing up the lien. If you're financing your purchase with an loan then your lender will become the . If so, you should request for proof that the car loan was fully paid, such as canceled checks or a paid-in-full letter. It is the responsibility of the seller to pay off the loan to be able to transfer the title of the car. You can include that requirement in the purchase contract. It's also a good idea to contact the lender directly and inquire about the status of the lien. It's even possible to do this before finalizing the purchase. Find out the amount to be paid to clear the car as in addition to other terms that might affect the sale. Request the removal of a lien if the lender is a bank that failed (or is a subsidiary of one), you can contact The Federal Deposit Insurance Corp. directly to request a release notice. The FDIC will assist you in obtaining the lien if you've confirmed that the bank in receivership was placed into FDIC receivership. It has a search feature that allows users to check the database of banks in receivership. The FDIC also keeps separate lists of failed banks , including details about what happened to the banks that were bought by a different financial institution. If you have the documents you need, you can make it available to the DMV and . The bottom line is simply it's difficult to be able to enjoy your new vehicle if there is a lien on it. Make sure the previous owner pays off any debts owed so that the car is completely yours and it's not the banks.


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of borrowing money to purchase an automobile.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to take control of their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.






Auto loans editor




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