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To obtain a lien release for a vehicle title, you must first identify the name of the lender or lien holder listed on the title. The DMV only cares about who is listed on the title, so it is crucial to determine this information. Even if the loan is paid off, the DMV will not issue a replacement if there is a lien on the title. It is important to clarify this information, as the bank may not have notified the DMV of the paid-off loan. If you are the owner of the car, you can go directly to the DMV for assistance, but if not, you may need to go through another process to find out the name of the lender.