lien-free car title

How To Make Sure Your Car Title Is Lien-Free

A lien-free car title is an important requirement to get a title loan. If you’re interested in car title loans online, then here’s what you need to do to make sure your title is lien-free.

The easiest way to check for liens is by reviewing your physical title. In the space marked “lienholder,” you will see the name of the lienholder. To remove the lien, pay what you owe the lienholder and have them issue a lien release form.

Taking care of your liens involves clearing the debt and having your lienholder remove the hold on your title. In this article, we’ll review the simple process to get a lien-free car title.

How Do Liens Get On Your Title?

Liens are public record acknowledgments that a lender has legal ownership of a vehicle until the borrower repays their debt. When you take out a loan to get a car, get car title loans online, or get in trouble with the state for various reasons, a lien may be put on your car title.

The lien acts as financial security, protecting the interests of the lender in the event that you fail to make loan payments.

lien-free title graphic

How To Get A Lien-Free Car Title

In order to remove the lien from your car, your first step is to pay the lienholder what they are legally owed. Stick to the payment schedule they provide until you’ve made the last payment on the loan.

Once done, you’ll then need to wait for them to issue a lien release form, which is simply a document stating that you’ve repaid your debt according to the lienholder’s satisfaction.

As a result, the form indicates their release of legal ownership of the vehicle. The lien release form isn’t the last step to getting a lien-free car title, however.

You’ll need to apply for a duplicate title so that the lien is no longer showing on your car title. To do so, you’ll need to head down to your county tax collector’s office or send the required forms by mail to the following address:

Mississippi Department of Revenue

Motor Vehicle Licensing Bureau

P.O. Box 1383

Jackson, MS 39215

Once your documents have been processed by an agent, you’ll receive your new car title and reclaim legal ownership of the vehicle.

What Forms You Need To Remove A Lien

Under Mississippi law, you need to complete the Application for Replacement Certificate of Title form to request a duplicate title with the lien removed. You’ll also need to have the car title, with the lienholder’s signature indicating that they are no longer the legal owner.

You will, of course, also need the lien release letter issued by your lienholder that indicates your debt has been satisfied. Lastly, the fee for a duplicate title costs $9. As mentioned, you can either take these forms to your county tax collector’s office or send them by mail.

How You Can Use Your Lien-Free Car Title For A Loan

Once your lien is cleared, you’re free to use your car title to secure an emergency loan during rough times. Mississippi Title Loans, Inc. offers title loans up to $2,500. To apply, you’ll need these items:

  • Driver’s license or state-issued ID
  • Lien-free car title
  • Your vehicle for a brief inspection

The in-person process can take as little as 30 minutes, and you can get started completing the inquiry form right from home.


The Application Process

Here’s a simple breakdown of the application process for you to get a title loan in Mississippi:

  1. Complete the online loan inquiry form on the website to get connected with a loan associate.
  2. On the phone, the associate will go over the basics of the loan with you and explain the process. You’ll also be able to schedule a meeting at a location you choose or head to one of Mississippi Title Loans, Inc.’s convenient store locations around the state.
  3. At the meeting, bring along the required items listed above for the representative to go over. The maintenance, condition, make, and model of your vehicle all impact the amount you could qualify for, which is why the representative needs to check your car in person.
  4. Once the inspection is done, the representative will let you know if you’re approved for the title loan. If so, you can get your quick cash on the same day or the following business day.

Apply Today To Get A Loan!

A lien-free car title is an important requirement to get a title loan, and without one, you won’t be able to apply. Car title loans online can help you out of a rough patch, and now that you know how to make sure your car title is lien-free, you can keep this resource in mind if a financial emergency arises!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.