

If you don’t, then your lender probably has the title if you’re still financing your vehicle. If your car still has a loan on it, then odds are, your lender has your title and you never lost it to start with! Most states are title-holding states, which means the title gets sent to the lienholder (your lender) until you finish paying off your loan. Now, the question is do you actually need a duplicate title, or do you live in a title-holding state? The things you’re likely to need to request a duplicate title include: Typically, you need to explain why you need a duplicate title and it can take a few weeks to around 30 days to get it in the mail. There’s usually a fee for getting another title, and the cost varies depending on your state, it could be anywhere from $5 to $60 or more. You can also visit a physical location and request a duplicate title there. These institutions typically allow for people to complete a duplicate title form or title replacement form online to get a replacement if it was lost, stolen, or damaged. Visit your local Department of Motor Vehicles (DMV) or Secretary of State’s (SOS) website. If you lost or damaged your vehicle title, then there’s a way to get a duplicate one.
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Here’s how to get a duplicate title, and what we know about title-holding states. Losing your vehicle’s title can be stressful – but you may not have lost it at all, depending on what state you live in and if you’re still financing the car.
