Where to request your car title

Your car title is held by your state's Department of Motor Vehicles (DMV) or equivalent agency — the exact name varies by state. Some states call it the Secretary of State, others the Registry of Motor Vehicles. You request a copy from that same office, not from the dealership or your lender, even if they financed the car.

Most states now let you request a title copy online through their DMV website. You enter your vehicle identification number (VIN), license plate, or registration number, pay a fee (usually $5 to $25), and the title arrives by mail within one to three weeks. A few states still require you to visit in person or mail a form with a check.

If your lender holds the title because you have an active loan, you can still request a copy — you'll receive it, but the lender's name will appear on the document. Once you pay off the loan, you can request a new title showing you as the sole owner.

Key Takeaways

  • Your state's DMV or motor vehicle agency holds the official title; you request a copy from them, not from a dealership or lender.
  • Most states offer online title requests through their DMV website, with fees between $5 and $25 and delivery in one to three weeks.
  • If a lender holds the title because of an active loan, a copy will show their name; request a new title after you pay off the loan.
  • You will need your VIN, license plate number, or registration number to request a copy.
  • Some states still require in-person visits or mailed forms; check your state DMV website for the current process.

Finding your state's DMV website

Start by searching "[your state] DMV title request" or "[your state] duplicate title." The official DMV website will appear first. Avoid third-party title services that charge extra fees to submit the request for you — you can do this yourself directly with the state.

If you cannot find the online option, call your state DMV's main line. They will tell you whether you can request online, by mail, or in person. Keep your VIN and registration number handy when you call.

What information you need to provide

The DMV will ask for your vehicle identification number (VIN), which appears on your registration card, insurance documents, and the lower left corner of your windshield. They may also ask for your license plate number, current registration number, or the year and make of the vehicle.

You will need to provide your name and address as they appear on the registration. If you have moved since the title was issued, update your address with the DMV first, or bring proof of your current address (a utility bill or lease) if you visit in person.

Online requests and payment

Most state DMV websites have a dedicated section for title requests. You enter your vehicle information, confirm the mailing address where you want the title sent, and pay by credit card or debit card. Some states accept electronic check payment as well.

After you submit and pay, you will receive a confirmation number. Save this number — you can use it to track your request or contact the DMV if the title does not arrive within the expected timeframe. The DMV will mail the title to the address you provided, so make sure it is correct before you submit.

In-person and mail requests

If your state does not offer online requests, you can visit a local DMV office with your ID and registration. Bring cash or a check for the fee. Processing is usually faster in person — you may receive the title the same day or within a few days.

For mail requests, read the title process form from your state DMV website, fill it out, and mail it with a check and a copy of your registration to the address listed on the form. Mail requests take longer, usually two to four weeks, because the DMV must receive your form, process it, and mail the title back to you.

What to do if the title is lost or damaged

A lost or damaged title is treated the same way as a regular title request — you request a duplicate. The DMV will issue a new one with the same information as the original. There is no separate process or higher fee for a lost or damaged title in most states.

If your title was damaged in a flood or fire, some states ask you to bring the damaged document to an in-person appointment so they can see the condition. Call your state DMV to ask whether you need to do this, or whether you can mail a photo of the damaged title with your request.

Titles held by lenders or lienholder information

If you still owe money on your car, your lender's name appears on the title as a lienholder. When you request a copy, it will show both your name and the lender's name. This is normal and does not prevent you from selling the car — the buyer and lender will work out the payoff at closing.

Once you pay off the loan, contact your lender and ask them to release the lien. They will send a lien release form to the DMV. You can then request a new title showing only your name. This usually takes one to two weeks after the lender submits the release.

Frequently Asked Questions

How long does it take to receive a title by mail?

Most states deliver titles within one to three weeks of your online request. Mail-in requests take longer, usually two to four weeks, because the DMV must receive your form and check before processing begins. Call your state DMV if your title does not arrive within the stated timeframe.

Can I get a title the same day?

Yes, if you visit a DMV office in person. Many states issue duplicate titles on the spot or within a few hours. Check your state DMV website to see which offices offer same-day service and whether you need an appointment.

What if I do not have my VIN?

Your VIN appears on your registration card, insurance documents, and the lower left corner of your windshield. If you cannot find it, call your state DMV with your name and license plate number — they can look up your VIN and help you request a title.

Do I need the title to renew my registration?

No. You renew registration using your registration card or online through your state DMV. You only need the title if you are selling the car, transferring ownership, or adding or removing a name from the title.

What if my name has changed since the title was issued?

Request a corrected title from your state DMV. Bring a marriage certificate, divorce decree, or court order showing the name change. Some states let you request this online; others require an in-person visit. The fee is usually the same as a duplicate title.