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To obtain a lien release for a vehicle title, you need to identify the lender or lien holder listed on the title, regardless of loan status. If the loan is paid off but the lien is still on the title, it can prevent the DMV from issuing a replacement. The DMV only cares about the name on the title, so you must confirm the lender's identity. If you're the owner, visit the DMV for assistance; if not, you may need to determine the lender independently. Just paying off the loan to zero may not prompt the bank to notify the DMV of the lien release.