Loan Pay Offs
Pay off procedures vary depending on whether the lienholder is using the Electronic Lien Title (ELT) system or a paper title.
Financial institutions and auto dealers who finance vehicles have been required to use ELT since July 1, 2017.
Electronic Loan Title
If your loan or lien was establised on or after July 1, 2017, the lienholder will notify the DMV of the lien satisfaction. No other action is required.
Please ensure your lender has your correct address.
The new title will be mailed to the party requested by the lienholder. Titles are processed and mailed from Carson City.
You do not need to submit any paperwork to the DMV.
If your loan or lien was establshed prior to July 1, 2017, the bank or lienholder may have a paper title for your vehicle. They must sign the appropriate section of the vehicle title and mail or otherwise deliver it to you when your loan is paid off.
In this case, lenders do not notify the DMV of the pay off. If you do not have a new title issued, the lienholder will continue to be listed in the DMV records.
See No Title below if you or the lender have misplaced the title. If the misplaced title was issued in another state, you will have to get a duplicate title from the other state.
Complete the Title
Lienholder To Be Recorded Section - You must complete this section on the back of the title.
If the new Certificate of Title is to reflect a security interest in the vehicle, the lienholder’s name and address must be recorded. You do not need to complete the odometer statement on the front. Write "None" if there is no new lienholder to be recorded.
Be careful! Any alteration or erasure voids a Nevada Certificate of Title. If you plan to bring the title to a DMV office, you may wish to complete it at the DMV to ensure it is correct.
Submit the Title
Fee - The fee for a new title is $28.25 if mailed to a Nevada address or $35 if mailed out-of-state. Titles are processed and mailed from Carson City. It is not necessary to renew or update the vehicle registration.
You may submit the title at a DMV office or mail it to us to have the lienholder removed and obtain a "clear" title. It does not matter whether the title was issued in a different state as long as the vehicle is registered in Nevada.
If you choose to mail the title, for your protection, we suggest you use registered or certified mail. Please include an explanation letter with your full name, daytime telephone number and Nevada license plate number. Please enter your current address in the assignment of title. Mail this, the title and a check or money order payable to DMV or a Payment Authorization to:
Department of Motor Vehicles
555 Wright Way
Carson City, NV 89711
If the lienholder does not have the title and it is not an ELT document, the lienholder may complete and notarize a Lien Release form and mail this to you. You will have to complete an Application for Duplicate Title and submit both to DMV as outlined above.