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Title & Lien Release | Chase Auto | Chase






FAQs

Title & Lien Release

A title is a legal document that includes: Identifying information about the vehicle; the vehicle identification number (VIN); the year/make/model; the name and address of the purchaser or registered owner; and the name of the lienholder or “legal owner” if applicable.

This varies by state. Some states will send it to the vehicle owner while other states will send it to the lienholder. Some states have paperless titles and they are maintained electronically at the state’s Department of Motor Vehicles (DMV). Check with your state’s DMV to confirm how they manage auto titles.

Title fees vary by state. Please contact your state’s Department of Motor Vehicles to learn more about the costs.

Each state has different procedures to replace titles. Contact your state’s Department of Motor Vehicles if you need to replace a lost title.

A lien release is a document that shows that the lienholder’s security interest in the vehicle has been released. When you receive a lien release from us, you can take it to your state’s Department of Motor Vehicles or appropriate state agency and they can remove the lien from your title.

After you move, do this as soon as you arrive at your new address and before your plates expire: Contact your state’s Department of Motor Vehicles (DMV) to update your registration or title or to ask them questions about how long their process takes. 

 

The DMV will send a letter to us requesting the necessary documents to complete the transaction. Give your DMV the following:

  • Our fax: (937) 481-5324

or

  • Our address: Chase Auto, PO Box 4420, Wilmington, OH 45177

Your title/lien release will be sent to the address that appears on your auto account statements – usually in 2-10 business days from your payment posting, based on your payoff method or the state you live in.

  • 2 Business Days - Your title or lien release is sent in approximately 2 business days from your payment posting if:
    • You pay off using certified funds (like a cashier's check or money order) or from a Chase checking account on chase.com
    • If you reside in Kansas, Massachusetts, Missouri or New York
  • 10 Business Days - Your title or lien release is sent in approximately 10 business days from your payment posting if you pay off using non-certified funds like a personal check or non-Chase deposit account on chase.com

Keep in mind: For electronic (paperless) titles, we’ll notify the state of the lien release and they’ll provide you with your title. (Florida requires the title to remain electronic unless the owner requests a paper title.) Contact your local state DMV for their completion times, because it varies state to state.

If your vehicle is titled in an electronic (paperless) state, we'll release the lien electronically, and notify you when we've done so. Then, your state’s motor vehicle titling agency will mail a lien-free title to you, according to its own timeframe. (Florida requires the title to remain electronic unless the owner requests a paper title.) Contact your local state DMV for their completion times, because it varies state to state.

  • Electronic (paperless) states include:
    • Arizona
    • California
    • Colorado
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Iowa
    • Louisiana
    • Massachusetts
    • Nebraska
    • Nevada
    • North Carolina
    • Pennsylvania
    • South Carolina
    • South Dakota
    • Texas
    • Virginia
    • Wisconsin

 

We’ll mail your title or lien release to the address that appears on your auto account statements. Make sure to review your address with us and the DMV, and make any necessary updates before completing your payoff.

 

If your state’s Department of Motor Vehicle (DMV) has an electronic (paperless) title program and your record is held electronically, we’ll release our lien directly with the DMV and the DMV will generally mail the lien free title to the registered owner’s address, unless otherwise instructed.

 

Keep in mind: Florida doesn’t generate a lien-free title when the electronic lien is released. You can contact the state’s DMV to request a lien-free title.

To obtain a lien release, you can contact us through the Secure Message Center or by mail:

Chase Auto

PO Box 901098

Fort Worth, TX 76101-2098

 

You can also call Customer Service at 1-800-336-6675; We accept Operator Relay calls.

 

All requests should include the following information:

  • your full name
  • your loan account number, if available
  • vehicle year, make and model
  • Vehicle Identification Number (VIN)
  • address where you’d like us to send the lien release

You can choose to receive your title or lien release by regular or expedited mail service. This option is not available if your vehicle is titled in a state where we release the lien electronically.

 

If you pay off over the phone, you can pay a fee to receive it by an expedited mail service. If you’re paying off by mail, you can request expedited mail service by including your UPS or Federal Express account number in the same envelope with your payment.

 

Keep in mind: Expedited mail can only be delivered to a physical address, not a post office box (PO Box). Depending on your payoff method and what state you live in, we’ll send your title or lien release in approximately 2-10 business days after the payment posts using the mailing option you choose.

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