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hi this is the business guy when you finance a vehicle through the bank the bank becomes the first secured party when you file a private link you must add this information when you apply for the title a karlin will remain on the title until the borrower repays the debt the lender issues a lien release to remove the lien if purchasing through a dealer the dealer files the lane to add a lien you need to follow the lien filing guidelines issued by your state and heres the most common step one go to the dmv location or state authority that issues vehicle title step two obtain a title application fill out your personal information vehicle information and lien holder information and sign the application give the application and title to the clerk pay the appropriate fee to add a lien holder fees vary by state you may need to show the loan documents for verification the clerk will verify the information and file it the dmv will issue a new title the title may be mailed directly to the lende