| Title Holding (for owners) |
Frequently Asked Questions
| 1) Why is the title being held by the lienholder instead of the owner? |
A new Arizona law effective January 1, 2003, requires that titles displaying a lien are to be sent to the lienholder. A benefit of the change is increased consumer protection.
| 2) If my title is sent to my lienholder, what proof can I present to show I own the vehicle? |
The validated application completed for title and registration, and/or annual vehicle registration.
| 3) After I pay off my loan, how soon will I get my title from my lienholder? |
When a lienholder has credited the final payment, it should take approximately 5 business days, including mailing time.
| 4) Am I required to apply for a lien-free title when I receive my original title from my lienholder with a lien release? |
No. Your original title together with the lien release is all that is needed.
| 5) Can I apply for a duplicate title if my title is held by the lienholder? |
A duplicate title may be issued if the original title was lost. The duplicate title will be sent to the lienholder.
| 6) I want to sell my vehicle this weekend, but because the lienholder is holding my title, I cannot give the title to the new owner. What do I do? |
Arizona law requires you to transfer the title to the new owner at the time of delivery of the vehicle. You must obtain the title from the lienholder before delivering the vehicle.
| 7) Iím leaving the state tomorrow and have sold my vehicle. The lien is paid but I have not yet received the title and lien release. Can I apply for a duplicate title to give to the new owner? |
No. A duplicate title is issued when the original title is lost. However, you may visit any MVD or Authorized Third Party office and request a Power of Attorney With Odometer Disclosure form. This allows you to give power of attorney to the new owner to sign off your interest on your behalf. As the seller, you are required to complete the odometer information. Contact your lienholder and request that the title (with lien release) be sent to the new owner.
| 8) I want to trade my vehicle in at a dealership and the lienholder has my title. What shall I do? |
The Dealer will request that you initial and sign a Dealer Acquisition Contract in lieu of presenting a title at the time of a trade-in.
| 9) The insurance company declared my vehicle a total loss, as a result of a crash. The lienholder has my title. How do I obtain my title for the insurance company so they can pay me? |
Your insurance company should contact the lienholder to obtain the title.
| 10) My title and lien release are lost. How do I get a replacement? |
Contact your lienholder for a replacement notarized lien release. Take the lien release to any MVD or Authorized Third Party office and apply for a duplicate title. Staple the lien release to the duplicate title.
| 11) I want to add another owner on my title and there is a lien on my vehicle. What do I do? |
Contact your lienholder. If they permit an additional owner, they will process the change.
| 12) A law enforcement officer has advised me that the Vehicle Identification Number (VIN) on my current registration doesnít match my vehicle. I have a lien on my vehicle. How do I get a corrected title? |
Visit any MVD office where a vehicle inspection will be conducted. Provide the inspection document to your lienholder who will process the corrected title.
| 13) I want to record a second lien and my title is being held by my first lienholder. What should I do? |
Request your second lienholder contact the first lienholder to arrange to add a second lien on your vehicle title.
| 14) What can I do if my lienholder does not deliver my title after I have paid off my loan? |
You may apply for an Administrative Hearing if your lienholder does not provide you with the title within 15 business days from full satisfaction of the lien.