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To obtain a lien release for a vehicle title, you need to identify the name of the lender or lien holder listed on the title. The DMV only cares about the name listed, regardless of who has been making payments. Even if the loan is paid, a lien on the title could still block the DMV from issuing a replacement. If you are the owner, simply go to the DMV to inquire. If not, you may need to find out the lender's name through another process. Just because the loan is paid to zero, the bank may not have notified the DMV.
