How Many Days to Get the Green Book After Paying Off Car Loan?
3 Answers
After the last monthly installment of the car loan is deducted, it takes approximately 10 working days for the mortgage procedures to be completed. You can then retrieve the vehicle registration certificate (green book) from the bank where you applied for the car installment loan. For credit card car installment loans, it is advisable to call the bank's customer service in advance to confirm whether the loan has been fully paid off. The customer service number can be found on the back of the repayment card. Here are the precautions for handling the mortgage release procedures: 1. When going to handle the mortgage release procedures, you should bring the documents provided by the bank: vehicle registration certificate, loan clearance statement, bank organization code, and power of attorney. 2. Personal documents to be carried include: ID card, vehicle license, driver's license, car purchase invoice, vehicle inspection certificate, and insurance certificate.
Speaking of getting the green title, last time after I paid off my car loan, it took about a week and a half to receive it. The bank first needed to confirm the repayment was correct, then sent a release document to the DMV. You have to go in person to complete the release procedures. The whole process could stretch to two weeks, and if you don’t actively follow up, it might take even longer with the bank’s slow pace. I remember calling customer service the day after paying off the loan to push them to prioritize the process, which saved me a few days. Without the release, the green title would still show a lien record, making it troublesome to sell or transfer the car and affecting its resale value. So don’t just wait—contact the lender immediately after paying off the loan to confirm the document’s status, and prepare your ID and repayment proof to visit the DMV directly. This can significantly shorten the time, usually keeping it within 10 days for a smoother process.
As a car enthusiast, I know that obtaining the green book (vehicle title) after paying off a car loan typically takes 7-14 days. The bank first needs to complete internal procedures, including verifying repayment and generating a release notice, which may take around 5 days. Then, the DMV requires a few more days to process the release. From my personal experience, proactively contacting the bank to confirm the estimated timeline instead of passively waiting can help shorten the process to within 7 days. The key point is that the green book truly becomes yours only after the release is completed. Otherwise, if the lien isn't cleared when selling the car, buyers may reject the deal or even cause credit risks. I recommend urging the lender to expedite the process on the payoff day and keeping copies of relevant documents for reference - timely action is most effective.
