How to Apply for a Duplicate Title When the Lienholder Has Lost It

If you find yourself in a situation where your lienholder has lost the vehicle title, don’t worry. You can apply for a duplicate title through your local Department of Motor Vehicles (DMV) or equivalent agency. Follow these steps to ensure a smooth application process.

Step 1: Gather Necessary Documentation

Before applying, make sure you have all required documents ready. This may include:

• Proof of identity (e.g., driver's license, passport)
• Proof of lien satisfaction if applicable
• Any specific forms required by your state DMV

Step 2: Understand Registration Fees

If your vehicle's registration is expired or due soon, be aware that you cannot bypass the registration fee while applying for the duplicate title. Ensure that all fees are settled to avoid delays.

Step 3: Contact Your Local DMV

The requirements and processes may vary by state. Therefore, it’s best to contact your local DMV directly for specific instructions tailored to your situation.

Lienholders and Duplicate Titles

Add or Resubmit Lienholder Information

You can apply for a duplicate title while also resubmitting paperless lienholder information. However, until either:

• A paper title is released by the lien holder; or
• The DMV manually releases it upon request;

The transfer process cannot be completed smoothly. To expedite this process, consider contacting your bank regarding the release of the paper title.

Lienholders Involvement Requirement

If there is an existing lien on the vehicle, note that you cannot independently apply for a duplicate title without involving the lienholder since they hold legal claim over the vehicle until any debts are satisfied.

Add New Lienholders If Needed

You can simultaneously apply for a duplicate title and add an appropriate new lienholder during this process as long as their involvement complies with state regulations.