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New Jersey

Car Titles | Lien Release | New Jersey

When it comes to car title recovery, even the “simple” requests—like a replacement car title—can get complicated. That’s why you need CarTitles.com and our team of experts who can take care of the hard work, so you don’t have to. We save our customers time and energy as we gather the paperwork, confirm the fees, and provide clear instructions on what goes where. From the simple requests to the more complex cases, our team knows what you need to complete your car title request. Of course, you can do this on your own, and we have provided an outline of the process below. But if you decide you would rather not take this on, contact us at the link below.

New Jersey Car Title Requirements

There are several forms and pieces of pertinent information you will need for your car title request, including:

  • Seller’s signed title
  • Bill of sale
  • Manufacturer’s Certificate of Origin (MCO) for new vehicle purchases
  • Proof of valid New Jersey insurance
  • Valid photo ID
  • Vehicle Registration Application (Form BA-49) for:
    • New car title
    • Transferring a car title
    • Out-of-state vehicle title transfer
    • Deceased owner car title transfer
    • Duplicate car title requests
    • Lost car title and damaged car title replacements

Visit the New Jersey Motor Vehicle Commission for more information.

Additionally, New Jersey has several fees that are connected to vehicle title transfers (not all will apply to every type of request):

  • Standard vehicle title ($60)
  • Financed vehicles with one lien ($85)
  • Financed vehicles with two liens ($110)
  • Sales tax (varies based on vehicle value)
  • Registration fees, separate from title fees (vary based on vehicle type and weight)
  • Late penalty ($25 if filed more than 10 business days after purchase)

New Jersey requires that title transfers be done in person, at your local MVC office.

New Jersey Lien Release

If you have recently paid off a car loan, you will need to request that your lender do one of the following:

  • Provide a lien release document, which certifies the loan has been paid and the lienholder no longer has a claim to the vehicle
  • Sign and return the physical title

Once you receive either the lien release or the signed title, you will take it to your local MVC, along with your vehicle registration, proof of insurance, and bill of sale. This can also be done via mail.

We Help with Car Titles

Vehicle title recovery can be more complicated than it initially appears. From missing or incorrect information to difficulties getting what you need from your lender, there are many places along the way where the process can get off track. You can do this on your own, or you can enlist the expert team at CarTitles.com. When you work with us, you get an organized packet with clear instructions, complete with addressed envelopes ready for you to return the documents to the correct locations. If you are ready to get started, or you want to arrange a consultation, click the link below.

FAQs

I just moved to New Jersey. How do I get my car title registered?

New Jersey has a 60-day window for new residents to register their car titles. Make an appointment at your local MVC Center and bring your out-of-state title, proof of New Jersey insurance, a Universal Title Application, and a Vehicle Registration Application (Form BA-49). You will also need your photo ID and the $60 standard title fee ($85 if your vehicle is currently being financed). There may also be some additional registration fees depending on the vehicle specifics.

I lost my New Jersey car title. What should I do?

Submit your Universal Title Application to your local MVC location, either in person or by mail, along with the $60 fee and proof of your vehicle’s registration. If you are currently paying off a car loan, then you will need to go through your lender to replace your lost car title.

What is the application process for a replacement car title in New Jersey?

You will need to use the Universal Title Application–submit this to the MVC, either in person or via mail. New Jersey charges a $60 fee, and will require proof of ownership. If you go in person, you will likely receive your replacement car title same-day. Otherwise, expect a 6-8 week turnaround time.

How do I transfer a car title from a deceased owner in New Jersey?

You will need several key pieces of information, including the death certificate, the vehicle’s title, and an Affidavit of Next of Kin. The affidavit needs to be notarized. All documents need to be taken to your local MVC agency. If you are the beneficiary named on a Transfer on Death form, you can bypass probate. New Jersey charged $60 for this title transfer. If you need help, don’t hesitate to reach out to our team.

How do I replace my damaged car title in New Jersey?

Fill out a Universal Title Application and either mail it to the MVC, or submit it in person, along with the $60 fee, proof of your registration, and proof of New Jersey insurance. You will receive your replacement title the same day if you go in person. Otherwise, you will receive your replacement in 6-8 weeks by mail.

Can you help me with car title recovery in New Jersey?

Yes, we are happy to help with all of your car title needs! From straightforward title transfers to more complex situations with lien releases and court-ordered titles, our team knows how to navigate New Jersey’s requirements. Contact us today to get started.

What is the lien removal process for a vehicle titled in New Jersey?

Once you pay off your car loan, your lender either needs to provide a lien release document or sign and return the original paper title. Once you receive either document from your lender, you will need to visit your local MVC. Take your vehicle registration, proof of insurance, and a bill of sale. You can also complete this process by mail. If you are having trouble reaching your lender, contact our team for assistance.