Motor vehicle titling and registration is an important step in the auto lending process for both consumer and commercial auto lenders. A creditor with a lien on a vehicle relies on the titling process to obtain a perfected lien. However, if titling and registration is not performed properly, it can leave a lienholder’s title unperfected and interest at risk. The challenge stems from the inherent complexity and lack of uniformity of jurisdictional requirements, forms, and fees.

Simplified vehicle title and registration process

Lenders benefit from having a vehicle title solutions expert on their side. Lien Solutions has decades of experience working with lending operations on the vehicle titling and registration process. We offer streamlined workflows for title processing in every U.S. jurisdiction to help lenders maintain perfection of their motor vehicle liens.

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Lien tax and fee estimates (commercial and consumer)

Part of the complexity of motor vehicle registration is differing fees and taxes across jurisdictions. We give lending operations an estimate of a jurisdiction’s lien tax and fees to provide their commercial and consumer borrowers at loan origination.

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Title & registration (full or prep-only)

Our SaaS solution takes lenders through the full vehicle title and registration process, or just the prep work if that’s all they need. We offer an Application Program Interface (API) with Loan Origination Systems (LOS) to decrease redundant data entry. We help make registering vehicles and perfecting lenders' motor vehicle liens a smooth process.

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Lien holder (add/remove)

Lenders may need to add or remove lienholder names on vehicle titles to ensure they remain accurate, and the lenders’ interests are still protected. Lien Solutions helps organizations to add or remove lienholders in all jurisdictions.

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Lien release

Once a borrower fulfills their financial obligation, they obtain the title to their vehicle, and the creditor releases their lien. Our solution provides you with an efficient workflow for the lien release process in any U.S. jurisdiction.

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Lien transfer

Vehicle owners might transfer title with a lien still on the vehicle. The most common lien transfer scenarios are when an individual sells their vehicle or passes away before paying off a loan. Lien Solutions helps lenders make sure the title is altered correctly based on the title state's transfer requirements — helping keep their perfected interest intact.

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Title change or title correction

Any number of scenarios can require a title correction or change, such as the borrower getting married and taking a spouse’s last name. With Lien Solutions, lenders can make a title change or assist the borrower in doing so correctly to help ensure they don’t lose their priority as a creditor.

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Duplicate vehicle title

Many borrowers have a hard time keeping track of their vehicle titles, or they might lose them in a flood or fire. It’s possible to quickly ascertain a jurisdiction’s DMV requirements to obtain a duplicate vehicle title.

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VIN search & title due diligence

Lenders are always on the lookout for title swapping and other forms of vehicle title fraud. This includes performing title due diligence, like a VIN search, which organizations can do quickly and easily through Lien Solutions.

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Title repossessed vehicle

Lenders might go through the vehicle repossession process when borrowers default on their loans. Our solution helps lenders efficiently handle repossession titling so they can limit their losses as much as possible.

How does a borrower handling titling add to the complexity of managing vehicle liens?
Sometimes registrations and titles  are the borrower’s responsibility. Lenders can prepare borrowers for the steps and costs of the process to make sure they properly reflect the lender’s name on the title. But additional help is often needed to prepare borrowers with a checklist of required documents in their specific jurisdiction.

DMV requirements

Vehicle jurisdictions have different rules and regulations when it comes to the vehicle registration process — and they change over time. As a lender, keeping track of DMV requirements isn’t just cumbersome, it’s impractical. We keep up to date on all U.S. jurisdiction’s vehicle title and registration processes, fees, forms, and taxes, so lenders don’t have to.

Unperfected liens

Accurate and complete vehicle registrations and lien filings are necessary for lenders. Otherwise, they have “unperfected” liens. In the event the borrower defaults or files for bankruptcy, the lender won’t have priority on recovering the vehicle or the amount owed. The stakes are high during the vehicle registration process.

Time-consuming title processing

A lender’s main function is not to oversee vehicle title processing. Learning the registration process in many jurisdictions and passing that knowledge on to the borrower demands a lender’s time and resources. Using an expert-driven SaaS solution enables lenders to spend less time on motor vehicle titling and registration and more time on expanding their businesses.

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Lien Solutions Professional Services
Lien Solutions professional services  offers iLien Motor Vehicle system API integration for seamless transfer of data between iLien and your internal systems. Save time and prevent keying errors in processing lien adds, requesting duplicate titles, and completing VIN searches. 

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