Title-Holding vs. Non-Title-Holding States

Title-Holding vs. Non-Title-Holding States

What happens to your car title when it’s financed? Well, this entirely depends on whether or not you live in a title-holding state or a non-title-holding state.

What is a title-holding state vs. a non-title-holding state?

Title-holding state: A title-holding state will send the vehicle title with the owner’s name and lienholder’s name directly to the vehicle owner to hold until the loan is paid off.

Non-title-holding state: A non-title-holding state means that this particular state requires that the lienholder hold the title until the loan is paid off. Most states in the US are non-title-holding states.

What states are non-title-holding states?

There are currently 41 non-title-holding states:

Alabama	Idaho	New Hampshire	Tennessee
Alaska	Illinois	New Jersey	Texas
Arizona	Indiana	New Mexico	Utah
Arkansas	Iowa	North Carolina	Vermont
California	Kansas	North Dakota	Virginia
Colorado	Louisiana	Ohio	Washington
Connecticut	Maine	Oregon	West Virginia
Delaware	Massachusetts	Pennsylvania	Wisconsin
Florida	Mississippi	Rhode Island
Georgia	Nebraska	South Carolina
Hawaii	Nevada	South Dakota

What states are title-holding states?

There are currently 9 title-holding states:

Kentucky	Minnesota	New York
Maryland	Missouri	Oklahoma
Michigan	Montana	Wyoming

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Order Vermont Title LoopholeOrder Deceased Owner Title TransferOrder Bonded Title ProcessOrder Abandoned Vehicle ProcessOrder Prior Owner ContactOrder Lien Release Request Letter