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Title & Lien Release | Chase Auto | Chase






FAQs

Title & Lien Release

What is a title?

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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.

Will I receive a copy of my title while my loan is active?

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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.

How much does it cost to get a title?

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

How can I get a replacement title?

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

What is a lien release and how does it work?

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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.

What should I do if I move, how do I update my registration and title?

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If you move, you should start this process as soon as you arrive at your new address and with ample time before your plates expire. Contact your state’s Department of Motor Vehicles (DMV) to update your registration or title and if you have questions how long their process takes. The DMV will send a letter to Chase to request the necessary documents to complete the transaction.

 

Please provide your DMV the following fax number:

  • Chase fax: (937) 481-5324

or

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

I recently paid off my loan, when will I receive my title/lien release?

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Your title/lien release will be sent to the address that appears on your auto account statements in 2-10 business days 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 payment posting if:
    • You pay off using certified funds like a cashier's check or money order; or
    • 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 payment posting if you pay off using non-certified funds (like a personal check) or chase.com.

For electronic (paperless) liens, we will notify the state of the lien release and they will provide you with your title. (Florida requires the title to remain electronic unless the owner requests a paper title.) Please contact your local state DMV for current timeframe for completion as it varies state to state.

How do I get the title when I pay off my loan if my vehicle is titled in an electronic (paperless) state?

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If your vehicle is titled in a electronic (paperless) state (please see list below), 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.) Please contact your local state DMV for current timeframe for completion as it varies state to state.

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

 

What address will you send my lien release or Title to?

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We’ll mail your title or lien release to the address that appears on your auto account statements. Please make sure to review your address with Chase 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 will release our lien directly with the DMV and the DMV will generally mail the title to the registered owner’s address, unless otherwise instructed.

 

Note: 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.

How can I obtain a lien release if I lost my title?

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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 would like us to send the lien release

Can you send me the lien release by overnight mail?

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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 online or over the phone, you can pay a fee to receive it by an expedited mail service. If 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.

 

Expedited mail can only be delivered to a physical address (no PO Boxes). Depending on your payoff method and what state you live in, we will send your title or lien release in approximately 2-10 business days after the payment posts using the mailing option you choose.