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Auto Titles

Information about your vehicles title
Driving a car into the sunset

Truliant helps you with your title questions

  • The difference between title and registration
  • Info needed on an auto title
  • Add/remove someone from a title
  • How to get a title

A vehicle title is the evidence of who owns the property. The lender is the vehicle owner until the loan has been paid. A title can transfer from one lender to another or to an individual. When selling a vehicle, you will provide transfer information on the vehicle title. The new owner will receive a new title from the state.

The laws governing titles can vary from state to state. This page provides information for the N.C. Division of Motor Vehicles titling regulations.  For other states, please contact your states Division of Motor Vehicles for more information regarding titles.

Auto Titles FAQ's

What’s the Difference Between Title and Registration?

The title proves that you own the vehicle. The registration is permission from the state to operate it on the road. The final step of owning your new vehicle is to register and title it at your state’s Department of Motor Vehicles (DMV). It may also be known as the Bureau of Motor Vehicles (BMV), the Registry of Motor Vehicles (RMV), or the Department of Transportation (DOT), depending on your state.

In most states, your registration should always be with your vehicle, just like your license plates.
Truliant only holds onto the title while your vehicle loan is open.

How Do I Give My Title to Truliant?

Once Truliant’s lien is accurately recorded by the DMV on your vehicle title, the DMV will send the title to Truliant either by mail or in an electronic title record. Truliant will retain the title either physically or electronically for the duration of your loan.
 
If you have or receive the title for the vehicle securing your loan and Truliant is not showing on the title as lienholder yet, you should take it to the DMV to complete a lien recording application to add Truliant as the lienholder using the address below.
 
If you have or receive the title for the vehicle securing your loan and Truliant is showing on the title please mail it to the address below or bring it to your nearest branch location for forwarding.
 
Truliant’s lienholder address for titles:
Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

What Happens if We Don’t Receive Your Title With Truliant Listed as Lienholder?

As part of your loan agreement with Truliant, and because your car is serving as the collateral for the loan, you are required to provide us the title with our lien recorded within 30 days of opening the loan. The title must display the name(s) of the owner(s) in accordance with the loan and list Truliant as a lienholder. Being a lienholder means we have an interest in the property that’s on the title until the loan is paid in full.
 
If we have not received your title within a reasonable timeframe we will send letters to the address we have on file for you that will inform you that we’re still awaiting your title and your assistance may be needed to follow up or resolve the situation.
 
Failure to provide your title with our lien placed may result in increase to the interest rate or demand on your loan until title is provided. Please refer to your loan agreement documents and letters for specific detail.

How Will I Know That the Title With Truliant Listed as Lienholder Has Been Received?

We will only send letters regarding needing your title if we have not received it in a reasonable timeframe. Once we receive the title, these letters will stop.
 
If we receive a title for your vehicle that does not have Truliant listed as lienholder, we will mail the appropriate DMV forms to have our lien placed. Please complete the highlighted sections and return them in the envelope provided so we can file for lien placement on your behalf. The state’s DMV lien recording fee will be added to your loan balance.

What Information Needs To Be on the Title?

Once you get your title, there may be some changes that need to be made before the title is ready to give to Truliant. Please do not write on your title, as this will void the title. In the Names and Mailing Address of Owners section, it must list you as the owner and your current address. If there is another person on the title that is not a borrower on the loan, the person must sign, or have already signed, as Owner of Property on the Note and Loan Agreement. If the title application with the DMV is completed properly, we’ll be notified that the title has been created with Truliant as lienholder. 
 
IMPORTANT: The VIN (Vehicle Identification Number) on your Note and Loan agreement must match the VIN on your title. If you are aware of any discrepancies, please contact us as soon as possible.

If the vehicle you are titling is for your business and you would like it in your business name, you must open a business membership and apply for a commercial loan. If you have started the loan as a personal vehicle loan, the title will need to be in your name.

Truliant’s lienholder address for title purposes:
Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

What Are the Different Ways to Purchase a Vehicle?

Dealer Purchase

If you purchase your vehicle from a dealership, they typically will complete the title application paperwork and send it to your local DMV. Please make sure the title application is accurate with your dealership.

Some dealerships may instead give the title and transfer documents to you to complete the title work with the DMV.

Please be sure to give the dealer or DMV the correct lienholder address:

Truliant Federal Credit Union
3268 Progress Way Bldg. 12 MSC 5180
Wilmington, OH 45177

The DMV will then issue perfected title to Truliant.

If there is a delay in receiving the title, contact your dealer to confirm they submitted the necessary paperwork to the DMV. If they did, contact your state’s DMV.

IMPORTANT: Even though the purchase was done through a dealership, you are responsible for ensuring the title is issued to Truliant.

Buying Your Leased Vehicle

If you are purchasing a vehicle you currently lease, the leasing company will provide you purchase instructions and often specific paperwork they need completed and received with the lease buyout/payoff. The leasing company should then provide you with the title, bill of sale, and other required documents to take to your local DMV to complete the purchase. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

Sometimes the leasing company will send the paperwork directly to Truliant. In that case, we will send the title to you with the necessary documents for you to transfer the ownership into your name on the title and get Truliant listed as lienholder with the DMV. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

Purchasing a Vehicle From Another Person

(also known as private sale or individual purchase If you purchased your vehicle through a private sale, a bill of sale may be necessary. It must be signed by both parties and list all pertinent information about the vehicle and money exchanged. Always check with your state’s DMV to make sure you have the required paperwork to complete the transaction.

IMPORTANT: Per your loan agreement, it is your responsibility to get the title from the private seller and take it to the DMV to transfer the ownership to your name and place Truliant’s lien. The DMV will then issue a perfected title to Truliant with you listed as the new owner.

What Do I Need To Do With My Title if I’m Moving to Another State?

If you’re moving to a different state within the U.S., you must provide all the necessary documents and forms to your new state’s DMV. Refer to your state’s DMV for detailed instructions.
 
IMPORTANT: Truliant cannot initiate the state change for you. You must initiate this process with the applicable DMV.
 
The DMV will then contact us to request that the title be mailed to them to process the change of state.
When we receive that request we will send the title to the new state’s DMV per their instructions, and then once the DMV completes the state change they will issue the title to us to retain for the duration of your loan.
 
IMPORTANT: Most states require this change be made within 90 days of becoming a resident. The full process may take 6-8 weeks depending on the DMV and state, so it’s important to get the process started as soon as you move.

How Do I Add or Remove Someone on My Title?

To add or remove another party as owner on the title for your vehicle that is financed with Truliant, you must contact us to providing the name, phone number, address, and email address of the individual you would like removed or added. The request will be reviewed and if we are able to accommodate the request we will prepare and send the appropriate paperwork necessary for you and the other impacted owner(s) to complete the ownership change with the DMV. We’ll mail the title and applicable DMV forms to the address you have on file with us. Once you have taken the paperwork to the DMV for the ownership change to be processed, the DMV will send the new title with new ownership to us for the duration of your loan.
 
IMPORTANT: Making sure your address and email address on file with us is current will make sure that the title and all paperwork get to you as soon as possible!
 
IMPORTANT: If you are selling your vehicle to another individual, your loan must be paid in full prior to being able to change ownership on the title with the DMV.

What if I or the DMV Lose the Title While Doing a State or Ownership Change?

Contact Truliant at 800.822.0382 to request a duplicate title. Processing time will depend on the DMV. You will be responsible for a title maintenance fee and any DMV fees associated with replacing the lost title.

What Happens to My Title After My Loan Is Paid in Full?

Once your vehicle loan is paid in full, we’ll release our lien and the DMV or Truliant will mail you the title within 7-10 business days. You may need to take the title to the DMV to have the lien release processed and removed from the DMV record. If this is needed, you will receive a letter with your title instructing you to do this.
 
IMPORTANT: Making sure your address on file with us and the DMV is current will make sure that the title gets to you as soon as possible!
 
If the vehicle loan was paid in full by a third party, we’ll send the paper title to the address provided in the payoff instructions we received.

What if I Lose My Title After My Loan Is Paid in Full?

If you have lost or misplaced your title after the vehicle loan is paid in full, you must first check with the DMV to identify if our lien is still recorded on the title’s record. Depending on the status of the lien recording you should take the following action:

  • If our lien record is still recorded for the title with the DMV, you will need to contact Truliant at 800.822.0382 to request we release our lien. Depending on the state and the type of title record, paper or electronic, we will then either mail you a notarized lien release letter or release the electronic lien record with the DMV.

    • If we mail you a notarized lien release letter, you must take it to the DMV to request a duplicate title with lien release.

    • The DMV will mail you the title once they process the lien release.

  • If our lien is not recorded for the title with the DMV, then you must go to the DMV to request a duplicate title.

    • You will be responsible for all fees. The DMVs do not allow us to apply for a duplicate title on your behalf if our lien is not recorded on the title. 

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