If you’re wondering, “How do I get a lien release from Santander Consumer USA?” you’ve come to the right article.
The process of vehicle lien release is very common. When a lender provides a loan to a borrower in order to purchase a vehicle, they place a lien on the title. The presence of the lien indicates that the loan has not yet been paid off in full. Once the borrower has paid off the loan entirely, the lien can be released. Thus, the lien exists to indicate ownership and secure payment on the loan. Your lender will remain printed on the front of your certificate of title until you have paid off your loan in full; at that time, you can get a title from DMV for your car or sell it or trade it in.
If your loan has been paid in full and your lender is Santander Consumer USA, this section will describe how to obtain your lien release. If your lender is not Santander Consumer USA, these instructions may also work, but first, verify with your lender to ensure other documents are not required.
In order to release your lien, you must submit a request in writing to Santander. This process cannot be done over the phone or online. Your lien release letter should include your vehicle information and VIN, your information, and your request for the lien to be removed due to loan satisfaction. You should include a letter of non-interest in the event that there is additional money owed, the lender can decide to remove their security interest. Additionally, we highly recommend that you also include pre-stamped envelopes for your lender to use. Their office likely has envelopes and stamps, but providing this for them may result in a quicker response. By making it easier for them, you’re also making it easier for yourself.
Once your documents are created and organized, make three copies. Keep one blank copy for your reference, and mail the other two copies to the following addresses:
Main Address
Payment Address
Santander Consumer USA Inc.
P.O. Box 961245
P.O. Box 660633
Fort Worth, TX 76161-1245
Dallas, TX 75266-0633
Most lenders won’t have an employee standing by to release liens. Employees of the company who have this responsibility also wear other hats. By sending two copies, you’re more likely to reach someone who is able to help rather than hoping one person finds your request and is able to fulfill it.
After Santander sends you back a signed lien release or letter of non-interest, take that letter to your local DMV and apply for a title. Most states will use their state title application for this process but verify with a DMV agent before proceeding to ensure all paperwork is completed.
If it’s your car, you deserve your name on the title. If you have a vehicle loan from Santander Consumer USA that is satisfied, you are likely eligible for a lien release. CarTitles.com is an expert at contacting lenders for lien release requests and can help you with your Santander lien release. For specific questions about your lien, contact Santander Consumer USA by visiting their website here.
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Being required to handle the paperwork to transfer a title from a deceased owner can be frustrating and overwhelming. It’s important to know that you are not alone when it comes to dealing with a lost title in this situation. Fortunately, each state has its own process that can help you understand how to correctly make the title transfer. By following the necessary steps, you’ll be able to get through this time of grieving with minimal delays and headaches.
If the vehicle title has survivorship, then the title is automatically transferred into the survivor’s name. This is because there is only one person listed on the title as the owner of the vehicle. If there are two owners listed on the title with survivorship, then both parties will need to sign to transfer the vehicle from one owner to another.
If there is no survivorship, will the estate be probated? Meaning, has the deceased owner left a will that will go through the court system for the vehicle? If the answer is yes to either of these questions, then you will want to talk to an attorney or a probate specialist who can help you through your next steps. The transfer process may be more streamlined and defined in the official documents or will.
If there is no survivorship and there is no will or probate needed, then you will have to seek permission from all other legal heirs (other family members) before transferring ownership of any property into your name.
In many situations, the vehicle does not have survivorship nor will the estate require probate. To apply for a new title from a deceased owner in most states, you’ll need to provide the following items to the department of motor vehicles in your state:
Not all states require the death certificate to be included in the application for title. However, be sure to check your state’s requirements prior to submitting your application.
The inheritance affidavit is a document needed when transferring ownership of a vehicle from a deceased owner. This document outlines the ownership of the vehicle as assigned by all of the surviving heirs of the property/vehicle. In order to transfer ownership, all heirs must sign this document and it must be notarized.
The bill of sale is your receipt of the transaction for the purchase of the vehicle. Make sure that the bill of sale accurately reflects the vehicle and is signed by all heirs. For more information, check out our article on how to write a bill of sale.
Every state has its own title application that can be found on their department of motor vehicles’ website or in person. Your state may have additional paperwork requirements to transfer the title from a deceased owner, be sure to check with your state department before proceeding.
The odometer disclosure provides an accurate representation of the mileage on the odometer of the vehicle at the time of purchase. Some states include this on their state title application, while other states like Maryland, may require an additional form.
If the car title of the deceased owner has a lien, you must obtain a vehicle lien release from the lienholder/lender before transferring the title. For more information on vehicle lien release, check out our article on how to clear a lien on a car title.
Transferring a deceased owner’s vehicle title can be challenging, especially when you are dealing with the grief and loss of a loved one. Remember to take care of yourself in addition to caring for your deceased loved one’s property. If there is an estate or survivorship, consider consulting or hiring a lawyer to assist you in this process. We always recommend getting good legal advice when transferring a title from a deceased owner, as the DMV cannot provide legal advice.
There are many different kinds of car titles. A car title is a legal document that proves ownership of a vehicle. While most vehicles require a title, obtaining a vehicle title isn’t necessarily a cookie-cutter process. There are several kinds of titles for different types of vehicles and for different situations. These titles come with their own set of requirements from the owner or new buyer and are used for different reasons. The reason that there are many different kinds of car titles is that the title will alert the owner or new buyer about the history of the vehicle.
A clear title means no liens or other claims against the vehicle. If you have a clear title in your name, you are the legal owner and can do as you please with the vehicle.
A vehicle that has a lien or a title loan may have the title issued directly to the lienholder since the owner is indebted to the lienholder. The purchaser will be listed as the owner, but the title will list the lienholder. Once the lien or loan has been paid in full, the owner may send a letter to the lienholder requesting a title transfer. Get assistance with your vehicle lien release here.
To obtain a title for your vehicle without ownership documents, you can purchase a surety bond to ensure that if someone else claims ownership of the vehicle in the future, the surety bond will cover any costs associated with that claim. The bonded title is stamped “bonded” for a period of 3-5 years before it will come off of the title and the owner may apply for a clear title. Get assistance with your bonded title application here.
If you are the legally titled owner of your vehicle and you have lost or misplaced the title document, you may apply for a duplicate title. Only the last titled owner in the DMV database can receive a duplicate title. Duplicate titles can only be issued in the state they were originally issued and only to the last titled owner of record. Get assistance with your duplicate title application here.
Each state has different regulations regarding whether a defective vehicle should be branded as a lemon. Before this branding can occur, the vehicle must have several malfunctions that render it unsafe to drive. If the malfunctions with the vehicle cannot be resolved, it will be assigned a lemon title.
A parts-only designation is shown on a bill of sale or transfer form, but not on a title. However, if a parts-only bill of sale is submitted for vehicle title processing, the title may be issued with a salvage or nonrepairable brand.
When a vehicle incurs major damage, the title may be designated as a salvage or nonrepairable title. This is done typically when the cost of repairs is greater than 60 percent of the vehicle’s value. It may also be marked as salvage if a vehicle is stolen or totaled in an accident. A salvage title cannot be removed under federal law.
Vehicles for which the title has been sold to a junkyard may be designated junk titles if it is intended to be scrapped or sold for parts. A vehicle’s VIN in the NMVTIS database means that it can no longer be titled after receiving a junk title brand.
When insurance companies pay claims for vehicles and take ownership, they are eligible to process the title as a certificate of destruction. This title is affixed to vehicles that are intended to be destroyed or never driven again.
This is the very first document that is issued by the manufacturer to the dealer. This document is intended to be used to transfer the vehicle title to the first owner and obtain a title.
Similar to the certificate of origin, but involving brand new imported and domestic vehicles.
Rebuilt vehicles may have a rebuilt or reconstructed title, issued by an insurance company, body shop, collision center, or licensed rebuilder. Such a vehicle can usually be used for road use but will require additional inspections to verify its safety.
A title may be issued under an affidavit in lieu of missing documentation. This title method is often a last resort when all other options have been exhausted.
To import a vehicle to the United States, you must have legal title. If the vehicle was previously titled in the United States, you may be able to clear customs by getting a state-issued title with restrictions. If the vehicle was not originally manufactured for the US market, there are specific requirements for certifying that the vehicle meets emission, bumper height, and other standards before entering the country.
If a vehicle is being exported, title documentation will be required for customs clearance. If the vehicle is not declared at the exit point, a clear title may not be possible in the destination country. Start the title process early so that storage fees do not accumulate while waiting for the title.
Due to the variety of different kinds of car titles, selecting a vehicle title method may be challenging, but it is an important part of ownership. Each situation should be looked at uniquely. By titling your vehicle in your name, you are ensuring that the certificate of ownership for your vehicle cannot be transferred to someone else without your consent.
Text us! Text TITLE to (402) 698-4853 for assistance in choosing your title method or recovery process.
When buying or selling a car, it is important to be knowledgeable about how to properly transfer the title from one individual to another. Not only is a successful transfer of title important for securing the transaction, but an unsuccessful transfer may result in the denial of the DMV application. A vehicle title, also known as a certificate of title or car title, is the most important vehicle-related document because it assigns legal ownership of a vehicle. The individual whose name appears on the front of the title is considered to be the sole owner of record with the DMV. The steps necessary to complete a successful transfer of vehicle ownership are very specific and include filling out any necessary forms and paying any taxes and fees associated with DMV processing.
The first step in transferring a car title is to obtain the original title from the seller. The seller should be the prior owner or present when you pick up the car. The front of the title should contain watermarks, background patterns, and scrollwork that are difficult to recreate; it should also include both the current title holder’s name and the year of issuance. When signing over a car title, make sure that the person transferring ownership is the person listed on the car title document. The back of a car title serves as a form that assigns ownership of the title.
When presented with the original certificate of title from the seller, make sure that the information provided on the document matches the VIN plate and vehicle specifications of the particular vehicle you’re buying. Additionally, only the legal owner listed on the front of the title can sign away ownership to the buyer. If you’re buying from a private seller, make sure to check the photo ID to make sure this person is also the legal owner. Purchasing a vehicle with an incorrect title or from someone other than the legal owner will cause you significant problems with the DMV.
Once you’ve verified that the information is correct on the title and you’ve verified the seller’s identity, complete the back of the vehicle title with the seller. The back of the car title is where the seller assigns the new ownership. Additionally, make sure you also have a bill of sale, or proof of purchase, to provide proof that you’ve purchased the vehicle legally from the prior owner. Need assistance writing your bill of sale? Check out our article 9 Components of a Bill of Sale.
Congratulations! Now you’re ready to officially transfer your car title. Every state has its own title and registration application, as well as fees required for the transaction. State title applications can be found on every state motor vehicle division or secretary of state website. Most title and registration applications can be submitted via mail. The amount of fees due will vary by state according to sales tax requirements and tiered fees for specific types of vehicles.
When you get to the DMV, make sure you have the following items:
The vehicle title is the most important document a vehicle can have and it’s important to keep it safe from damage and theft. Do not keep your title inside of your vehicle. By transferring your car title into your name, you are protecting your property. If you lose your vehicle title after it has been printed by the DMV with your name on it, you are eligible to apply for a duplicate title. However, if you lose the original title signed by the prior owner before getting a new one printed by the DMV, you are not eligible for a duplicate title. Only the registered owner in the DMV system can apply for a title and if you didn’t transfer it, it’s not in your name.
If you’ve lost the title before you could transfer it, or you didn’t receive the old title at all, there are still methods available to get you a title.
If you are able to contact the prior owner, try asking them to apply for a duplicate title and sign over that duplicate title to you. Since you’ve already completed the transaction, they may not be willing to do this, but if you offer to cover the duplicate title fees they may be more inclined to help. Most duplicate title fees range from $2-$20.
The Vermont title loophole, also known as the Vermont registration process and bill of sale only title process, is a method for out-of-state residents to obtain a title for a vehicle that is 15 years old or older using a bill of sale. The Vermont registration for a vehicle that is 15 years old or older is equivalent to a vehicle title in the other 49 states and can be transferred.
A bonded title requires you to obtain a surety bond in order to back up your claim of ownership. The surety bond protects the DMV should there be a dispute over ownership of the vehicle once they have been issued a bonded title document.
Court-ordered titles are issued by the court system and can be issued for vehicle owners who do not qualify for title recovery because of missing paperwork, damaged or mutilated title documents, or other circumstances. If you have attempted to recover your own title and failed, a court-ordered title may be an option.
To transfer a title, the former owner must sign it over to you directly. If you have the signed title in hand, take it to the DMV as soon as possible to avoid late fees. If you lost the original title, it’s damaged, or you never received it at all, there are other options available for title recovery. If you own the car, you deserve a title in your name.
The terms lien title and vehicle lien release may seem to have negative connotations, but a lien on a vehicle title is actually extremely common. If you’ve purchased a vehicle with the assistance of a loan from a lender, that lender places a lien on your title until the loan has been paid off in its entirety. A lien is a claim on the property for the security of payment. When a lender loans a borrower (you) money to purchase a vehicle, they want to make sure that they are paid back plus interest. Your lender, also known as your lienholder, will remain printed on the front of your vehicle title until the loan is paid off. A lien on a vehicle title is a cloud on the title that places a hold on ownership; once it’s paid off, you can get a title for your car or you can sell it or trade it in.
In most states, the lienholder will hold on to your title until you have paid off your loan. On the other hand, not all states are like this—some will send a title to the vehicle owner with the lienholder and the owner holds the title until the loan is paid. The lender will stamp the title as paid and mail it off to you. However, just because your loan is paid doesn’t mean that the lien has been released; it’s up to you to go through the lien release process and notify the DMV of your satisfied payment.
The easiest way to release a lien–a legal claim against your vehicle for unpaid loan amounts–from your vehicle title is to contact the lienholder directly and request them to email or fax a lien release to you. The lienholder is the only authorized agent to release the lien from the title. If the lienholder doesn’t reply within twenty-four hours of your initial request, try contacting them via mail. Research their address along with any other address locations you can find. Then by certified mail, send the lienholder your state’s lien release request form along with a letter of non-interest. A letter of non-interest is a document that states that the lienholder no longer has any interest in pursuing the amount loaned on the vehicle and can be sufficient to release the lien. Make sure that all portions of the forms are completed in their entirety and notarized if needed. We recommend including a return envelope with a stamp for added convenience.
No, in most jurisdictions it is illegal to sell a car with a lien on the title. This is because if it has a lien, then the vehicle is owned by the bank or the lender, not the individual purchaser. A lien is only removed once the loan is paid back in full or released.
We don’t recommend it. If the vehicle you’re buying has a lien on the title, it could be a red flag of a fraudulent transaction. If you purchase a car with a lien on it, you should dispute the lien with the lender. You as the new owner should not be held responsible for the prior owner’s default of payment.
Similar to selling a car with a lien, you can’t transfer the title to a new name until the lien is paid off or released. Transferring a car title will not remove the lien.
If you have financed a vehicle and made monthly payments, you more than likely have a lien on your title. If you’re not sure, check with your local DMV office or, if you have it, take a look at your physical car title.
The vehicle lien release process is needed in order to get a title in your name. For assistance locating and contacting your lienholder to obtain your lien release, click here to learn more about how our title experts can help.
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