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How many title holding states are there? Explained by Sharing Culture

Last Update: Jan 03, 2023

This is a question our experts keep getting from time to time. Now, we have got the complete detailed explanation and answer for everyone, who is interested!

Asked by: Charity Lindgren
Score: 4.1/5 (26 votes)

There are only nine title-holding states: Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off.

How many states are title holding states?

When Do I Get My Title? Forty-one states are title-holding states, so odds are your lender has your car's title if you're financing. A title-holding state is one where the lienholder (your lender) keeps the title until you've paid off the auto loan.

Do all states have car titles?

Each state in the US has its own distinct process for the Certificate of Title. When filling out the title during a vehicle transaction, the rules in one state do not always apply to a different state.

When did Arizona become a title holding state?

ARIZONA ELECTRONIC LIEN AND TITLE

The Arizona Department of Transportation (AZ DOT) implemented the Electronic Lien & Title (ELT) System on January 1, 2003. On May 31, 2010 Arizona became mandatory for all lenders.

Who holds title in Wisconsin?

On July 30, 2012, Wisconsin joined other states in becoming a title to lien holder (lender) state. This means that any title with a lien (loan) listed on or after July 30, 2012, will be sent to the lien holder rather than the owner.

23 related questions found

Does Wisconsin hold titles?

There are only nine title-holding states: Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off.

Is Wisconsin an electronic title state?

Wisconsin's Electronic Title (eTitle) program is a partnership with electronic lien holders who, as agents of the Wisconsin Division of Motor Vehicles (DMV), receive electronic title records when they hold a secured interest on the vehicle. The program is authorized under Wisconsin statute 341.21.

Who holds Arizona car title?

Arizona is a title holding state. If you are purchasing the vehicle on payments, the seller should record the lien on the title, and then hold the title until you have paid off the loan.

How do I get an AZ MVD title?

Customers who desire a paper title can go to AZMVDNow.gov, log in to their account, click on “Title Replacement,” submit the $4 processing fee and a PDF of their Arizona Title Summary will instantly appear in their AZ MVD Now account. This allows them to download and print the title information at their convenience.

Is AZ a title state?

Arizona becomes 'title-holding' state for vehicles.

Do you need a title for each state?

Each state is required to perform an instant title verification check before issuing a certificate of title for a vehicle that an individual or entity is bringing into the state.

What states have no titles?

States That Do Not Require Titles

Those states include Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Hawaii, Kansas, Louisiana, Maine, New Hampshire, North Dakota, Tennessee and Wyoming.

What states only require a bill of sale?

The states that have bill of sale requirements include the following:

  • Alabama.
  • Arkansas.
  • Colorado.
  • Connecticut.
  • Hawaii.
  • Idaho.
  • Maine.
  • Nebraska.

Is Florida a title holding state?

Florida is one of the states that allows lenders to keep hold of the title until the end of the loan, when you will own the vehicle outright. You will then receive the title.

Is Ky A title holding state?

Kentucky is not a title-holding state; therefore, the title with the lien noted will be mailed to the owner. ... If the customer does not apply for a Kentucky title from our office within 30 days after the receipt of the documents, the title will be returned to the lien holder.

What states have electronic titles?

The American Association of Motor Vehicle Administrators (AAMVA) created a standard for implementing and using an ELT system. But only six states currently use the AAMVA ELT Specifications: Arizona, Hawaii, Ohio, South Carolina, Texas, and Virginia.

Can I get a copy of my car title online?

Complete an application for the duplicate certificate of title, which is available online at your state's Department of Motor Vehicles' website or at your local DMV office. ... Check with the local DMV to find out what forms of identification are acceptable proofs of identity.

Does DMV print titles?

When you apply for a replacement title at a DMV office, we will NOT hand you a new title while you are there; we print all title certificates in a secure facility in Albany and mail them to the vehicle owner.

Do you need title to register car?

In order to be registered, however, a car must have a title, which is a certificate that proves ownership of a vehicle. As such, if you're hoping to register a car without a title, your first step is getting the car titled.

Is Arizona a non title state?

Arizona is a registration only state and does not issue boat titles. Registration of all non-exempt boats is administered by the Game and Fish Department in Phoenix. ... There are approximately 129,276 boats registered in the State of Arizona. This accounts for 1.1% of all nationwide registrations.

Does an Arizona title need to be notarized?

Arizona titles must be notarized!

Do not sign the title until you can have a notary witness your signature and notarize the title. You will sign on the back of the title, upper right side where it reads "Seller Signature". ... Once this is done you're on your way to completing your Arizona auto title transfer.

Can you transfer a car title online in Arizona?

eTitle Transfer allows qualified sellers and buyers to transfer vehicle ownership electronically. Utilizing a secure online system, customers can complete the process without visiting an MVD office. In this initial phase, there are limitations on the vehicles eligible for transfer.

How do I get my title after paying off loan?

According to Shinn, in states that require you to do some filing to get your title, your financial institution will send you a lien release and formal documentation that the loan is paid in full. From there, you'll take those documents to your state DMV to get an updated title solely in your name.

Does Washington have electronic titles?

What is the WA ELT program? ... Instead of printing a paper title and mailing it to the lienholder, the WA DOL transmits title information electronically to the lienholder's ELT service provider. Who is required to participate? At this time, the program is not mandatory for lenders.

Is Ohio an electronic title state?

Ohio has a number of electronic titling options for entities who submit title transactions to Clerks of Courts on a regular basis. ... None of the electronic titling options result in any additional fees paid to the Bureau of Motor Vehicles (BMV) or County Clerk of Courts beyond statutory title fees.

Tandra Barner

Update: 2023-01-08