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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. Even if the loan is paid off, the DMV will not issue a replacement title if a lien is showing. The DMV only cares about the name listed on the title, regardless of loan ownership or payments made. If you are the owner of the car, you can go to the DMV to find out the lender. If not, you may need to find out the lender's name through another process. Just because the loan is paid off, the bank may not have notified the DMV, so the lien release is necessary.