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Go to your local DMV office. Complete an application for a duplicate title. Present proof of identification and notarization if necessary. Pay the fee.
Most lenders will hold the title of the vehicle for the entire duration of the car loan. After the loan is paid off, the lender removes itself from the title and sends a copy of the document to the owner.
Most lenders will hold the title of the vehicle for the entire duration of the car loan. After the loan is paid off, the lender removes itself from the title and sends a copy of the document to the owner.
When the purchase of a car is financed by a bank, the title will show the lender as the lien holder. Once the loan has been satisfied and there are no risks to the lender if the car is sold, the listing as a lien holder can be removed and the owner of the vehicle can take physical possession of the title.
If you lose the Certificate of Title to the car you own no wand it was titled to you most states allow you to simply apply for a replacement title from your Secretary of State or DMV. Show some documentation that the car is titled to you, pay a fee, and you'll get the new title.
The dealership doesn't give you a title, the DVM does. A new car doesn't have a title until it is sold for the first time. Filing the paperwork with the DMV is part of the fees you pay to the dealership when you buy a car, so you don't have to make the trip to the DMV yourself.
First, when a dealer transfers a vehicle to the buyer, the dealer has 30 days from the date of purchase in which to apply for a new title in the buyer's name. Based on the fact that you bought the vehicle about 28 days ago, the dealer is just reaching the end of this time period.
If you're making a cash purchase at a dealership, the dealer will usually send your title paperwork to your local Department of Motor Vehicles, or state transportation or revenue agency. The DMV or agency will send you the official certificate of title once the paperwork has been processed.
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