To get the lienholder information for a car, the most direct and reliable method is to obtain a vehicle history report using the Vehicle Identification Number (VIN). Services like Carfax or AutoCheck compile data from state DMVs and other sources, clearly listing any current liens. If a report isn't an option, you can contact your state's Department of Motor Vehicles (DMV) directly. Many states offer online searches where you enter the VIN or license plate number for a small fee to receive a summary of the title status, including the lienholder's name and address.
You can also find this information on the vehicle's certificate of title itself, if you have access to it. On the front of the title, look for a section labeled "Lienholder" or "First Lienholder." If the loan has been paid off, this section should be marked as released. If you are the current owner and have a loan, your monthly billing statement or the loan agreement from your lender will also have the lienholder details.
It's critical to verify a lienholder's status before buying a used car privately to ensure you can get a clear title. A lien means the seller doesn't fully own the car until that loan is repaid.
| Method | Primary Source | Typical Cost | Key Information Needed | Best For |
|---|
| Vehicle History Report | Carfax, AutoCheck | $30 - $50 | VIN | Quick, comprehensive check for used car buyers |
| State DMV Inquiry | Your State's DMV | $5 - $25 | VIN or License Plate | Official, state-verified data |
| Physical Title | Certificate of Title | Free (if available) | N/A | Confirming info if you already possess the title |
| Loan Documents | Lender/Finance Co. | Free (for owner) | Account Number | Current owners checking their loan details |
| NMVTIS Report | Approved NMVTIS Provider | ~$10 | VIN | Government-sanctioned database check |
