How long does it take to get the vehicle title after paying off the car loan?

[RicardoDella]

After paying off the car loan, it usually takes about 10 to 20 days to receive the vehicle title. Then, you need to bring your motor vehicle driving license to the local vehicle management office to complete the mortgage release procedure. Below are the required materials for mortgage release: 1. Documents provided by the bank: vehicle registration certificate, loan clearance statement, the bank's organization code certificate, and a power of attorney (authorizing the car owner to handle the mortgage release). 2. Documents from the car owner: ID card, vehicle license, driving license, car purchase invoice, vehicle inspection certificate, and insurance certificate. Note: Most banks do not automatically process the mortgage release for users after the car loan is paid off, so you need to inquire with the bank whether your car's mortgage has been released.

[DiGriffin]

When I paid off my car loan, the lending company told me it would take 10 to 15 business days to mail back the title. This is because the bank first needs to verify the payoff status and then coordinate with the DMV to complete the lien release process. I received a delivery notification on the fourth day and went to sign for it with my ID card. Inside were the payoff statement and the lien release authorization form. I then spent half an hour at the DMV completing the lien release registration, and the staff stamped the title. I recommend contacting the lender in advance to confirm the tracking number and keeping all documents safe to avoid loss. If there’s no update after three weeks, it’s best to check the vehicle’s status directly at the DMV, as sometimes system delays may prevent updates.

[LaWeston]

I've handled quite a few cases of auto loan payoffs, and generally, you can get the title back within two weeks. After paying off the car loan, the finance company has internal procedures to follow: the finance department confirms the payment has been received, the legal department prepares the lien release documents, and then sends them to you via EMS. Once you receive the documents, you must personally visit the DMV with your ID card to complete the lien release registration, which takes about twenty minutes. The key is to monitor the finance company's efficiency, as some small lending institutions might delay the process. Also, remember to verify that the lien information on the title has been completely removed. I've seen cases where it was missed, causing issues during the resale of the vehicle.

[MorganDella]

Last time I helped my neighbor with this, I found the speed mainly depends on the lender. Banks process faster, mailing the documents in just five days; some auto finance companies take around ten days. Once received, immediately schedule an appointment with the DMV—many cities now support online booking. Bring your original ID card and the document folder provided by the lender, and you likely won’t queue at the site. The most troublesome part is the mailing waiting period, so I recommend consulting customer service about the lien release process before repayment to avoid delays. After the lien is released, check that the last page of the title has the lien release endorsement before leaving.