Once you pay off your car loan, you become the vehicle's sole owner and should receive a title, as your lender no longer has financial interest in the vehicle. You shouldn't have to insist on getting the car's title; your lender should provide you either with the vehicle's title or a proper lien release that states the vehicle's loan is satisfied.
Contact Your Lender
Call your lender to discuss your account and ask when you'll receive your vehicle's title. Depending on your state, you might not receive a new title at all, but a lien release to supplement your title. This document proves you satisfied your loan, allowing you to sell your vehicle or apply for a new title to remove the lien holder. Once you contact your lender, you might find that your loan isn't satisfied because of outstanding late charges or other issues you need to fix before receiving the lien release or title.
Title Holding States
Some states do not send a vehicle's title to the registered owner but to the lender instead. In this event, you'll need to obtain the title from your lien holder. Ask your lender when you'll receive the vehicle's title. If your lien holder is local, you can likely go to your lender and retrieve the car's title and a lien release. If your find lender tells you that your state motor vehicle department should have already sent the title to you, you'll have contact your motor vehicle department to resolve the problem.
What to Do With a Lien Release
If your vehicle's title shows a lien holder, keep your lien release in a safe place with your title. If you sell your vehicle or transfer ownership in the future, the new owner needs the original lien release to transfer ownership and remove the lien. You can also use the lien release to apply for a new title in your own name by going to a motor vehicle office with your title and lien release to request lien-free title. States vary on title application charges, but you can save money by holding onto the title and lien release.
Consideration
If you paid off your loan by refinancing, you won't get the title in a title-holding state until you pay off the loan. If you don't, you will receive your title, although you might wait over a month. Your new lender must pay off your old lender first. Then, your old lender requires time to process paperwork, as does your new lender and state motor vehicle department. Once your lender has submitted the title paperwork to a motor vehicle office, you can call the state department directly for a status on your title.
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