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To obtain a lien release for a vehicle title, you must first identify the lender or lien holder listed on the title, regardless of whether the loan has been paid off. The name of the lender on the title is all the DMV cares about, so if the loan has been transferred or paid off, the DMV must be notified. If you are the owner of the car, you can go directly to the DMV for information. If not, you may need to take additional steps to identify the lender. Just because the loan is paid off at the bank does not guarantee that the lien has been released.