This is a very common question. Simply put, your title is free and clear if no lien holder has placed a lien against the title.
When a vehicle is financed through any kind of financial institution, the lien holder will keep the title and place a lien against it. Therefore, in most cases, if you have the title in your possession it means that the title is free and clear of any liens. In CA, a lien is usually placed electronically with the DMV and once a loan is paid off in full, the lien is released from the vehicle’s title.
If you are not sure whether your title is clear, give us a call and we will check the status of the title to make sure. If for any reason you don’t have the title, we might be able to help by transferring the ownership to your name with DMV, getting your auto registered or paying off any existing lien holder.
How do lienholders enroll in the ELT Program? Contact DMV at RODELTGRP@dmv.ca.gov
For more information visit our “how do title loans work” page or call us now.